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Posted by Pete C. on September 28, 2007, 9:23 am
Colbyt wrote:
>
> >I received a letter from my insurance, telling me an appraiser decided I
> >need a new roof.
> > 1200 sq ft home
> > I can not afford a new roof. Senior citizan fixed income.
> > Any suggestions?
> > Approx. price for new roof?
> > East Central Florida (Melbourne)
> > Please help!!
> >
> >
>
> Nancy gave you some good advice.
>
> Your choices are a new roof or be un-insured. If it looks bad enough that
> one company sent you this letter, no other company will take it.
>
> If you get cancelled for this you will be SOL for a long time as these
> B****** share info in a database.
>
> If you can't do the roof. CANCEL the policy before they do. That way you
> will not be shown in the database as a cancelled. The other info may or may
> not be there.
>
> I'm not bitter. I am experienced.
>
> Colbyt
Also contact your states insurance commission or equivalent. In some or
most states there is a program that provides basic homeowners insurance
for people who are turned down by the regular carriers, and unlike auto
insurance "pool" coverage, the rates are quite reasonable. I once took
advantage of this type of program for an old house I was fixing, but not
fast enough for my regular insurance carrier, and the rates were
actually a fair amount less than the regular carrier. It's not a full
blown policy, but it's sufficient to pay off the mortgage and cover
basic related costs.
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