In August 2018 we decided to switch home insurance...

In August 2018 we decided to switch home insurance companies. When we first bought our house in 2010, we didn't know much about home insurance, we went with the small ma & pa with the cheapest rates. With a growing family, we decided to look at other options. Our auto insurance was with State Farm for 5 years. They were the first company we went to. They had great coverage for not much more than what we were already paying. The agent explained that we would need a 4 point inspection on our home. We didn't bat an eye. We are responsible people that maintain our property (home, auto, etc.). The State Farm agent recommended Mueller for $60. Inspector came out, walked all around our home just taking pictures. When the report came back, there were 4 notes. First note was a missing plate in our electrical panel. No biggie...quick and cheap fix...not sure how it passed the home inspection when we originally bought our home, nonetheless it wasn't a big deal. Second note was a drip pan needed under our water heater. Our water heater is located in our garage, almost 3 feet below our house floor. I work for a plumbing company and they laughed at me when I asked if they could come install a drip pan. They explained that it is not required by Florida code. Third note was to paint the caulking that was used to seal the stair step cracks. Not the biggest deal breaker, but we didnt have the original paint color. We tried to use the color match at Lowes and it came out darker than the original. Fourth note was there was lifted and worn shingles on our roof. Our home was built in 2004; so, it has 14 years of age. My husband got on the roof and there were a few shingles that had a little bit of debris under them. The shingles laid flat after the debris was removed. What we found odd was that a four point inspection is to include the roof. The inspector didnt step a foot on our roof...just took pictures from the ground. So, State Farm requested that we hire a licensed roofer to come inspect our roof. My husband made some phone calls and the inspection cost ranged from $125-$150. We hired Quality Service Roofing to come inspect our roof. We explained the situation, he inspected, made his report and noted that our shingles have 2-3 years of life. Knowing that we have 25 year shingles and our home is only 14 years old, I couldn't believe what he just did to us. We are at the mercy of this roofer to be honest. So, I called out another company for another opinion. He said that these shingles were 25 year shingles, and there was still 7-10 years of life. Considering we already paid and submitted the report from the previous roofer due to a short time submission requirement by State Farm, we were then told by State Farm that we would need to sign a contract with a roofer to replace our roof within one year. The quote we received was $10k. This is absurd. Spending $10k on a roof that still has 7-10 years of life on it. I also found it absurd that State Farm requested an inspection from a licensed roofer and both roofing companies that came out...it was an employee of the licensed roofer...not the licensed roofer himself. Because we didn't move forward with the contract, State Farm cancelled our policy.