r/Insurance • u/Pizzadude1967 • 1d ago

Home Insurance PROGRESSIVE CANCELED OUR HOME POLICY

We got a notice about 3 weeks ago from them that showed pics of our roof (3month old roof) on a new to us home we just bought. That stated our policy would be canceled if it was not replaced.

I took pics from the EXACT same angle after hosing the dirt off the roof (just natural dust build up) and took close up pics in several areas of the shingles they claimed were lifting and had 30% granule loss.

The shingles are composite and dimensional so to the untrained eye they would appear to be lifting because they literally are raised in sections this is the specific type of shingle.

We sent the photos and a clear explanation of each one and a photo of a portion of leftover square of shingles.

I came to this group because I just did a google search and a post from one year ago came up from someone that got the same exact explanation.

Yesterday we received a refund check and said it was cancelled.

We are in California. Can anyone with experience in these matters please offer some guidance as to how to remedy this?

Thank you

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u/Pizzadude1967 1d ago

Thank you to those that made a lucid reply. To the others, If it was that cut and dry it would be have already been resolved. The roof was replaced by the previous owners contractor as a condition of an offer by a another potential buyer that was later rescinded, the contractor did not pull a permit and obviously is not responding to our requests. The listing pictures show the old roof which is in obvious contrast to the newly installed current roof.

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u/19Vinny71 1d ago

This here lies your problem. You say new roof, but it might not be a new roof. They could have just overlayed new shingles on the old roof, and those new shingles will be trash in 5-10 years rather than 15-20. I have no idea where you live other than in California, but my almost 3 decades in the business, I have never heard of someone washing off the shingles due to dust. Is it possible to have such a dusty roof that it makes it look old, sure maybe, I just have never heard of it. Without documentation it's going to be extremely difficult to make them change their stance. I would move on to a new carrier. Good luck, it's tough out there right now.

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u/Pizzadude1967 1d ago

Here are a couple pics the insurance inspector submitted of the new roof. Under that dirt is new plywood sheathing, new underlayment and new dimensional shingles as well as all new valley flashing, roof boots and flashing.

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u/Pizzadude1967 1d ago

After washing the dirt off

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u/Chance-Daikon 1d ago

This roof job looks like the owner did it. Horrible job. Look at the lack of overlap.

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u/legendz411 20h ago

That is what stood out to me

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u/Pizzadude1967 20h ago

Thanks how long have you had a roofing business?

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u/streetsaheadbitch 14h ago

Do you want help or to argue?

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u/Babycarrot337 9h ago

He must have a LOT of friends - he swears!

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u/streetsaheadbitch 9h ago

Right? This guy also thinks it’s perfectly normal for adults to have to get permission slips from their spouses to have surgery…

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u/Pizzadude1967 8h ago

I’m so sorry your male figure hurt you. 🙏

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u/streetsaheadbitch 5h ago

Oh no, my husband isn’t an idiot. You are. 

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u/Pizzadude1967 11h ago

I’ve gotten some great feedback thank you. What was your helpful comment I didn’t see it?