Tampa Bay homeowner given 22 days to replace intact roof due to insurance crackdown

Roofers say it is impossible to replace the 14 year old roof in such a short time

by: Shannon Behnken

Posted: Feb 9, 2021 / 6:16 PM EST
Updated: February 15, 2021 / 11:49 am EST

LAND O’LAKES, Florida (WFLA) – Jim Seel is an extreme example of how willing companies are to reduce their risk when insurance companies crack down on Florida homeowners with aging roofs.

He only had 22 days to replace his 14 year old roof, although he had no problems with it. The task seems impossible. He called the roofer who said it would be four to six weeks before he could get on his roof – and quoted him as $ 12,000.

Insurers sending letters to replace your roof or lose your cover

“I don’t know where to get this from, I mean, if we have to pull it out of our 401k or out of my son’s college fund,” said Seel.

Seel’s plight is the latest twist in an insurance nightmare afflicting Tampa Bay homeowners. Insurance companies check roofs and terminate insurance coverage.

Florida law requires you to be given 120 days notice in the event of non-renewals. However, the insurance company can terminate new contracts within 90 days. State law does not prescribe a timely notification to the consumer.

Seel was told that the company had carried out an “external review” and was provided with two photos.

Since receiving the letter four days ago, he has hired a roofer who, in his opinion, has no immediate problems with the roof. Seel is ready to get the new roof, but says he needs time to raise money, get estimates, and hire a contractor with the time on the roof.

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He says contractors tell him they’re booked and that it takes time to order supplies and secure a permit.

8 On your side, investigator Shannon Behnken called Universal Property & Casualty and insurance agents across town to see if Seel could be given more time.

A spokesman for Universal Property & Casualty investigated the situation and called back to say that if Seel has shown he is moving a new roof within four to six weeks, he can give him the time before canceling his policy .

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