I think the elephant in the room is fraudulent claims. Majority of the claims filed is related to over-priced contractors. Pick any city, pick any house - old, new, big, small, tiny - the average roof replacement is 4x-5x the cost!
I know of multiple cases where the adjusters send in claims that are 50% to 90% of the actual repair cost. This is the REAL problem. Not hurricanes. It’s the fucking fraud.
I think the only option to combat this is to give home owners the right to fix things like roof themselves…why do I need a city permit, why do I need a fraudulent contractor permitted ONLY by the city (I don’t want the city looking out for me…that’s always their BS argument…leave that to me). I should be able to shop the supplies myself.
Here’s another exercise - pick any city in FL - try to buy roofing materials yourself.
The point is - Fraud is the biggest problem with homeowners insurance in the state of FL.
I know of multiple cases where the adjusters send in claims that are 50% to 90% of the actual repair cost. This is the REAL problem. Not hurricanes. It’s the fucking fraud.
I think the only option to combat this is to give home owners the right to fix things like roof themselves…why do I need a city permit, why do I need a fraudulent contractor permitted ONLY by the city (I don’t want the city looking out for me…that’s always their BS argument…leave that to me). I should be able to shop the supplies myself.
Here’s another exercise - pick any city in FL - try to buy roofing materials yourself.
The point is - Fraud is the biggest problem with homeowners insurance in the state of FL.