2 Tampa Bay homeowners share roof; only one’s insurance company says her part should be replaced

The other homeowner’s insurance company says the roof is still alive

by: Shannon Behnken

Posted: Feb 22, 2021 / 7:00 PM EST
Updated: February 23, 2021 / 12:11 PM EST

TAMPA, Florida (WFLA) – James Lowe and Lorana Troncozo both own their own portion of the duplex in which they live. They also own their portion of the roofs over their heads, and their insurance companies see these roofs very differently.

Troncozo recently received a letter from their insurance company informing them that they had done a visual inspection and determined that their part of the roof needs to be replaced. If it’s not ready by May 15th, she’ll lose cover.

Next door, Lowe was worried about hearing the news but was confused when he called his insurance company and learned that the roof was fine for the time being.

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“They said they would let me know a year in advance if they thought it was time to replace it,” explained Lowe.

Troncozo is now in the middle of a roof tour documented by Better Call Behnken. Insurance companies that have been making fraudulent claims for years are checking roofs and demanding that older roofs be replaced.

It’s not surprising that they focused on the roof of Lowe and Troncozo: after all, it’s 22 years old. What is unusual is the reaction from insurance companies.

Troncozo wonders how two companies can see the same roof so differently and why they are not given more time to find the money to replace their roof side.

The Tampa Bay homeowner has 22 days to replace the intact roof due to insurance measures

As for Lowe, he had a tough decision to make: replace his portion of the roof early on so it will continue to match his neighbor’s roof, or do as some in the neighborhood have done and leave his neighbors only on their side replace.

“It didn’t make sense to me that we’d do it separately at different times since we’d done it together before, so it kind of blinded me to getting some money together and things like that,” Lowe said.

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