--75.11.xx.xx

Sounds like you both need new insurance companies. If my company told me to hire my own roofing inspector to inspect my roof, it would pass. Just saying if you catch my drift. --24.152.xxx.xx

Thanks for reminding me why I'm self-insured. --204.10.xxx.xx

i would have my independent agent find me a new insurance company for that house. I have no loyalty to insurance companies --147.182.xxx.xx

Same as they did with T-Locks years ago. --47.248.xxx.xxx

In the apartment buildings and house in 2004 & 2005 installed a straight metal roof panels where today those roofs are still there. Shingle roofs are a waste of money as the house next door went through shingle asphalt roofs where now it is 2025. The metal roof is rated for 190 kilometers per hour. When at the hardware the company that makes metal roof panels has a 40 and 50 non prorated warranty on metal roof panels. If started to rust would repaint metal panels after light sanding with rust resistant paint. For insurance of resale of house or apartment building the first thing that comes up is the roof where shingle roofs are the never ending landfill product. What the roofers do in here is buy the builders line of shingles where after 5 years starts to deteriorate. I had to get a roofer installer who was 110 kilometers from house where now spending $5,000 CDN was very worthwhile as the cost of three shingle roofs would have exceeded that. --216.110.xxx.xxx

In sunny California, with all of the illegals, sanctuary city's and other nonsense, insurance carriers are leaving the State. $300,000,000,000 Three hundred Billion dollar Farmers, that owns over 50 different carriers had taken it's 21 century, worth Billions and changed the name and ownership to Toggle, worth only $100,000,000. One hundred million. So when illegals with no drivers license, no insurance cause a Nit and Run situation, and the City/State want Farmers to pay everyone off only because they have money--they can now threaten to leave the state, with little to no liability. --47.143.xx.xx

--75.11.xx.xx

Its common now,try to find a new insurance company. However they are all starting to require it. To much monkey business going on with insurance fraud in Florida with roofers. --32.216.xx.xx

I did have an insurance inspection this year on a commercial place this summer. No issues, they just looked at the extinguishers, smoke alarms, and CO detector along with egress lighting --67.140.xx.xxx

Here insurance companies will not insure a building or house that does not 200 amp electric breaker panel where insurance want to avoid fuses altogether. Insurance companies who find that the was converted to illegal apartments without getting building permits where insured as a single family house where if there is serious fire no matter who causes it will not pay out so the owner will end getting sued. A older house or building it is better to get rid the older wiring and older pipes where with plumbing use commercial Uponor pex piping then can be manifolded where one 3/4" line for hot and cold water to bathroom and kitchen then use use manifold to connect each fixture to 1/2" line. With Uponor pex piping can install sprinkler system as 1/2" can be used. A type pex piping bends easily eliminating more connections. I doubt a shingle roof will last 50 years where all warranties are pro rated. Metal roofs have warranties for 40 and 50 years. Also make sure the tenant has contents insurance where a break in, fire or flood covers contents. Explain policy only covers building components. --216.110.xxx.xxx

I have been very pleased with the website, billing process, and incredibly pleased with the handling of my one possible claim incident. I insure mainly to protect against lawsuit claims, which you know are very high in our area. I'm not so worried about the structure, though it is adequately insured. So, I'd recommend NREIG ( did they change their name recently?I need to check.) --72.135.xxx.xx

If the name has changed, please post it here. --75.11.xx.xx