I would contact the State Insurance Board...out of Tallahassee... Gulliver used to be head of it, then Crist, then ??? And tell them what the insurance company is requiring (a new roof) even when you have a document stating it's good for now.

Also, you can contact AAA, or any one of the other 468 companies writing homeowner's peril insurance. See the State listing here : http://www.fldfs.com/Data/CompanySea...ow_results.asp

You can often get a quote online, esp since you know what you were carrying before (all their jargon words.)

I know in Miami Dade County that Pitt Bulls are illegal, and thus you won't get insured there. Broward county is trying to do the same regarding the dog.

Don't mention a dog when you ask for a quote. Don't mention the roof, but if they do add the document.

Get a 6 month policy if that's all they will cover you for, at least that's the season, and will give you time to work things out. Like I said, I prefer AAA as they go do the looking and comparing for me, and won't go with any insurance company that is a risky business already.

I did hear from them on mine, and they have agreed to increase my coverage (finally they understand) to what it would take to rebuild the house in today's market. I was $60k below (I knew I couldn't rebuild if it burned ) Now I will be able to. They're sending the form to sign to my T's so I'll have it tomorrow.