Originally Posted by Forward lav

Because homeowners would file a wind damage claim on a 20 year old roof when there hasn’t been a hurricane in the area for years. When the insurance company denies the claim, they sue. If the homeowner wins, the insurer has to pay the legal bills. I’m not saying all claims are fraudulent but possibly a portion. Also, there are people called public adjusters that Jack up the damage estimates.

So the end result is the insurance companies pull out.

when I bought my house 4 years ago my insurance was $1800, 2 years ago they quoted $7000. So we paid it off and now self insure. All that means is that we keep a larger emergency fund.


Roofs in Europe are concrete and last 400 years. Ours last made out of plywood, plastic and concrete decoration. Seems stupid.