[iask]

You are not the only person that will own the house you live in, that’s essentially what permits and regulations are for, to ensure the next owner isn’t saddled with a stupid decision made by the previous homeowner. Roof inspections are particularly important in places with snow load or hurricane force winds.

That’s what home inspectors are for at the time of purchase. And even if I choose to replace the roof myself - the city is free to inspect according to their ordinances. What I disagree with is that you MUST use their approved contractors.

And the prorated nonsense is simply mathematical fraud.

[quickthrowman]

> What I disagree with is that you MUST use their approved contractors.

Who is ‘they’, the city or the insurer? The state I live in does not have approved contractors by jurisdiction, if you have a state license and any city specific licensing, you can pull a permit in that jurisdiction. Perhaps Florida is different.

If the contractors are mandated by the insurer, the fault lies with state law. In my state, insurers must use OEM replacement parts for car insurance repairs if the customer wants them to, this is due to state law. Likewise, my car insurer has recommended repair facilities, but state law forces them to allow me to choose where I have my car repaired under an insurance claim.

It’s understandable why the insurer wants only approved contractors (helps control costs), but your state could force the insurer to allow any contractor to do a repair covered by insurance by passing legislation. Insurance rules are almost entirely state specific, so blame your state government if you’re unhappy with the terms of your insurance policies.

[SR2Z]

> The state I live in does not have approved contractors by jurisdiction, if you have a state license and any city specific licensing

Unless I'm having a stroke, aren't counties/cities specific jurisdictions within a state?

Licensing IS a set of approved contractors, and we would be lying to each other if we pretended that state licensing requirements are always entirely aboveboard. Where I live, the city is notorious for being captured by local unions and setting (ludicrously high) minimum wages for tradesmen to guarantee they remain competitive.