The Roof Age Limit

Your insurance company can argue that roof damages were exacerbated by the roof s age.

The roof age limit.

How old is that roof. The florida building code dictates who may work on roofs and the florida roofing laws for when roofs may be reroofed repaired or replaced within or outside of high velocity hurricane zones. One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home. If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs.

It s the appraiser s job to look over the home and make sure it meets fha standards. Stone tiles stone tiles are typically made of slate clay or terra cotta and concrete. Paired with effective maintenance you can be sure it can go beyond its age limit but with a few caveats. If you have an asphalt shingle roof that is over 10 years old for example the likelihood of claim denial goes up.

Or they may offer a claim settlement that is lower than you hoped. Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age. A roof is usually the best it s going to be when it s installed. Home insurance policies usually cover roof damage caused by fire vandalism and acts of god such as hurricanes and tornadoes.

If your roofer s inspection reveals your roof has suffered no detrimental damages then your asphalt shingle roof is worth using for the next 3 5 more years. Another factor leading to more roof replacement demands is insurance fraud. New shingles can tolerate much more abuse from elements like hail. Inspections reveal no detrimental damages.

Imagine that your roof leaks after a heavy rainstorm. This difference could amount to thousands of dollars depending on the age of your roof. Having a good strong roof makes sense on many levels. A damaged 10 year old roof will likely get coverage for a full replacement.

Bonnie pesch a veteran personal lines underwriter with west bend will discuss how your roof ages and the role insurance plays if your roof is damaged. Estimating roof age is difficult. If your roof is damaged contact a licensed florida roofing contractor for help. This may sound unfair at first but imagine if you were responsible for 250 000 roofs across an area that was well known for severe storms.

Obviously the best way to know your roof s age is by keeping records from the last time the roof was replaced.