Honorable Governor DeSantis:
We are writing to petition our state representatives to establish standards for home insurance
companies conducting business in Florida. Insurance companies must be screened to ensure they will
comply with the standards set forth by the state. Many of us are receiving letters from our insurance
carriers asking us to replace our roofs for instance because it is approaching an age (typically 15 years or
less) that is no longer feasible to insure even though the expected lifetime of the roof is much longer
(typically 25-30 years and as much as 50 years depending on design and quality). The letters also state
that the quality of the roof does not matter in their assessment and to be reconsidered, one must hire a
roofer to assess and document the quality of the roof at the homeowner's expense. Shouldn't insurance
adjusters be dispensed to assess a roof as has been traditional in the home insurance industry? The
home insurance industry can then obtain an unbiased assessment of the roof.
In any event, standards should embrace expected lifetimes of plumbing, electrical, heating and cooling
systems rather than entertain arbitrary insurance policy time frames for cancellations. Home insurance
actions have become fraud in reverse. By requiring the use of standards, insurance companies seeking
business in the state of Florida will be held to ensuring that homeowners are not needlessly dropped at
the whim of insurance carriers. One could argue politically, that the lack of standards has contributed
significantly to the cost of housing inflation by the lack of state actions as this can be mitigated within
the state. We request you strongly consider this request to support the needs of your constituents.