Amir Kanel put on a accurate barrel-tiled roof but doesn’t qualify… (Scott Fisher, Sun Sentinel )
June 20, 2011|By Julie Patel, Staff Writer
Many South Floridians anticipate city roofs are one of the arch adjoin hurricanes. For years, allowance companies gave homeowners discounts on their premiums for installing them.
But some insurers accept chock-full giving the discounts because of the state’s complicated new form. It’s costing homeowners such as Amir Kanel, of Palm Beach Gardens, hundreds a year.
Kanel installed a new, $50,000 accurate city roof in February, abandoned to accept his allowance abettor say he won’t get a discount. His allowance premiums will go up 10 percent this year, to $3,573. Kanel’s abode didn’t authorize for a abatement because the allowance inspector, afterward a year-old accompaniment form, didn’t say that he should get one.
The anatomy doesn’t accurately acknowledgment city roofs as acceptable because it’s based on a 2002 accompaniment abstraction that didn’t appraise city roofs — one of the two best accepted roof types in South Florida, abnormally for flush developments, according to architecture admiral in Broward and Palm Beach counties.
“If I knew advanced of time that accurate city roofs [wouldn’t authorize for a discount] I wouldn’t accept done it,” Kanel said, abacus that he would accept bare appropriate approval from his homeowners affiliation to put on addition blazon of roof.
The accompaniment has gotten a lot of questions about city roof discounts back the new accompaniment assay anatomy came out, said assembly of the Appointment of Allowance Adjustment and Department of Financial Services. In some cases, inspectors accommodate added advice adage the city roofs accommodated the latest architecture codes and should authorize for discounts.
“There are still insurers who are demography a harder band and afraid carefully to the accent in the present form,” Rob Powell, a Department of Financial Services employee, wrote to Kanel in April.
Some inspectors are alert of new accompaniment rules that accomplish it a abomination to accord baseless discounts, so they err on the ancillary of attention back it comes to gray areas on the form.
“This has been a blend for about a year,” said Kanel’s agent, Theresa Goulet, of Horace Mann Allowance in Jupiter. Goulet said it’s up to policyholders to advance to get discounts, and Kanel could get one if he can get the ambassador on board.
Kanel’s insurer, Universal Property & Casualty, agreed that it’s up to inspectors. “If a policyholder has added advice apropos to an inspection, we are blessed to accede that advice in accordance with the abatement requirements,” said Sean Downes, the company’s arch operating officer.
The ambassador for Kanel’s home, Larry Smith, said he can’t change a anatomy already he has submitted it, but would be accommodating to if Kanel gets approval from the aggregation to do so.
Tile roof omission
Applied Assay Associates, a assay and engineering aggregation assassin by insurers and others to advice with amount filings and added ysis, advised roof achievement for the accompaniment in 2002. It didn’t appraise city roofs because it didn’t accept abundant abstracts on them from insurers, said Larry Twisdale Jr., controlling carnality president.
“Tile roof abstracts were not advised in the [study] and were appropriately not included in the” form, said Brittany Perez, backer for the Appointment of Allowance Regulation.
Since aftermost year, policyholders accept complained that added accepted discounts accept been revoked by inspectors assassin by allowance companies application the state’s new assay form.
The allowance adjustment appointment met with allowance industry officials, inspectors and others Monday to altercate changes to acquiesce discounts on city roofs, amid others.
“The appointment continues captivation accessible hearings and workshops to abide chat in an accomplishment to enhance the anatomy and accomplish it added absolute while abbreviation fraud,” or baseless discounts, Perez said.
Tile roofs in hurricanes
Since 2002, Applied Assay and others accept advised how roofs angle up in storms.
Metal roofs are advised the arch in hurricane-force winds, followed by accurate city roofs, according to Stephen Leatherman, co-director of Florida International University’s Laboratory for Coastal Research.
He said there were problems with city shingles — which still can authorize for discounts — and adobe city roofs during Hurricane Wilma in 2005. “There are assorted grades of city roofs; the abundant brand will survive the abate hurricanes,” he wrote in an email. “Hurricane Wilma … in 2005 acquired about $16 billion in amercement in South Florida, abundant of it acquired by adobe tiles and city shingles aerial off” and baptize accepting into the house.
As for copse bank roofs, there aren’t abounding in South Florida and their backbone would depend on their age and condition, Leatherman said.
A FEMA address on accident in Florida from Hurricane Charley in 2004 begin that genitalia of tiles roofs — accurate or adobe — blew off in the arch winds, but they kept baptize out of homes. Baptize accident frequently costs added to fix than the roof alone, the address said.
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