Your Homeowner's Insurance May Have A Problem With Your Old Roof

[heisable2]

Many insurers are becoming more restrictive with roof coverage in order to limit the number of claims that can come from a leaking or worn out roof. As of 2020, most insurance companies are requiring all shingle roof systems over 7 years of age be replaced with new.

There have been incidents where a few insurance companies refused to renew existing homeowner’s insurance policies on houses with roofs older than 20 years of age. In such cases, insurance companies did an inspection and the house didn’t pass. The insurance companies required the owner to replace the roof before renewing the homeowner’s insurance.

Other insurers have a policy to not write new policies for homes with roofs over 20 years old. These insurance companies may only pay actual cash value for roof replacements on older roofs when they’re damaged. This means they don’t pay to fully replace the roof, but only reimburse for what an old roof is worth after 20 years of life.

What this means, is if you have a roof that has lasted 20 years, then you are not able to renew your homeowner’s insurance. Insurance companies tend to believe that at that point, there are issues within your roofing system that cannot be seen, which could potentially deteriorate the deck and expose them to higher risks for additional claims. In that case, it would be worth your money to replace the roof.

https://www.honestroof.com/your-homeowners-insurance-may-have-a-problem-with-your-old-roof/

-------------------------------------------------------------

Here is what happened to me - got a notice from my Home owners insurance saying my roof is 20 years old I have until Dec to replace it or I ill get dropped - I told them I have 40 year shingles and they are only at half life - the insurance company said that does not matter you have to replace your roof every 20 years - they also said some other home owners insurance will require replacement every 10 to 15 years no matter what type of roof you have - so check with your home owners insurance and see what their new requirements are

In my response to another post, I got a new roof after a tornado.

I was told that in Florida due to heat, rain, etc., The roof doesn't last as long. It doesn't matter if you have 40 year shingles. At least not in Florida.

Each state has their own rules.

 

[heisable2]

Makes me glad to live in a condo because our monthly condo fees cover maintenance, groundskeeping, insurance, etc.

I think about the condo that collapsed in Florida. The HoA fees didn't help matters.

 

[Carl]

I have a sod roof, will have to check.

 

[Ghoti Ichthus]

Aren't metal roofs supposed to last at least 50 years?

Depends on the metal roof. The cheap ones, you're lucky to get 10 years out of. The really good ones can last a lot longer than 50 years in some climates, if the installer was good.

 

[Ghoti Ichthus]

I have a sod roof, will have to check.

You have to have new goats every 20 years

 

[Ghoti Ichthus]

Roofers union lobbying with insurance companies?

Maybe.

There's that new roof sealant stuff that allegedly makes an older roof serviceable because it seals everything so tightly. Don't know if I believe it, but if I had to pay for a new roof and this would pass, it would seem pretty silly to spend extra money if the end result were just as good.

Not just Florida with a lot of roof claims. There have been a lot of hail claims in the upper midwest, too. The vast majority of houses in this neighborhood got a new roof a couple years ago, courtesy insurance companies, when there was a major hail storm. Lots of damaged cars, siding, decks, windows, gutters, chimneys, etc., too. Here, some insurance companies won't cover for ice dam, etc. damage unless you can prove you kept your roof raked a certain distance up. Date-time-stamped photos or videos important.

 

[heisable2]

I have a sod roof, will have to check.

Laura Ingalls lived in a sod house....On the Banks of Plum Creek. Can't remember if their roof leaked.

 

[Carl]

Laura Ingalls lived in a sod house....On the Banks of Plum Creek. Can't remember if their roof leaked.

I am reading that book right now. I will let you know as soon as I finish it. Laura Ingalls' books are sure a pleasure to read. I am really impressed with all the information that she puts in them. Especially from her child hood.

 

[heisable2]

I am reading that book right now. I will let you know as soon as I finish it. Laura Ingalls' books are sure a pleasure to read. I am really impressed with all the information that she puts in them. Especially from her child hood.

There is a documentary about Laura's life on either Netflix or PBS. Turns out it was her daughter Rose who encouraged her to write about her life.
There's another one of her books called the The Long Winter. There was a family living with them who did not help with staying alive. It so traumatized Laura that she left that part out of the book.

Even as adults her books are easy to read. When I was teaching in WA, one teacher had her classroom set up as a prairie school room. She had the class read Laura's books.

 

[Carl]

There is a documentary about Laura's life on either Netflix or PBS. Turns out it was her daughter Rose who encouraged her to write about her life.
There's another one of her books called the The Long Winter. There was a family living with them who did not help with staying alive. It so traumatized Laura that she left that part out of the book.

Even as adults her books are easy to read. When I was teaching in WA, one teacher had her classroom set up as a prairie school room. She had the class read Laura's books.

I read the Long Winter years ago. I do not recall that there was any mention of another family living with the Ingalls. Your information must be correct. Yes Laura never talked about how she started writing.