We replaced the roof of one of our townhouses this month. Here is what it looked like before and after the replacement.

The roof was older, but it was in decent shape. It had a few missing cedar shingles over the carport, but other than that we had never had any leaks or major issues with it.

We only replaced the roof because our insurance company told us they wouldn’t renew our policy unless we got a new one.

The total cost to replace it was about $16,000. We got a ton of quotes and that was the most affordable one from a reputable company. That’s a lot of money to spend on something that isn’t causing any issues.

To be fair, this particular roof is considered a flat roof. That means the slope is less than 10 degrees and those types of roofs are more prone to issues.

The new roof looked beautiful. We used Tadlock Roofing and they did a terrific job. It was done in three days and you could almost eat off of it afterwards.

We submitted the documentation to the insurance company showing the approved permit and photos. A couple weeks later, we got our new policy quote back … a 12% cost increase from our current policy.

I don’t think I was expecting a decrease, but I certainly wasn’t expecting a jump that high after investing so much into a new roof. For other properties, our premiums have jumped as much as 35% in some cases.

Florida’s property insurance market is crazy right now, and it only looks like it’s getting worse.