So you are searching for insurance, this could be for a new home or one that you have lived in forever. One main issue that you the consumer is going to run into is your roof age.
I talk to many consumers who want to get new coverage but their roof is 20 years old and because of this it can cost you more on your insurance or it can make your home not even eligible.
Let's discuss this further. The roof on your home helps keep the elements out. As the roof ages and your shingles get older they become less effective. The granulation on your roof slowly begins deteriorating and this allows for holes, gaps, lifts and other ways that water and weather cause issues.
As the shingles begin to lift and detach from the roof, the next upcoming storm can cause you a roof loss. Imagine all your shingles laying out on the ground and the water coming into your home.
Here is where the big issue comes in;
My roof is under warranty!
Yes, I am glad to hear that but that warranty does not mean that the shingles have deteriorated.
My last inspection said that I have 10 years left on my roof!
Yes, inspection companies do give you an age left on the roof, but that age is not the same as what an insurance company deems your roof age left. If you think on this, it makes sense, your roof has been on for 10 years, it's a 30 year roof, however, if you live in a hurricane prone area, your roof will get beat-up more than, say a roof in an area that is prone to heavy snowfall.
Agents know that this is a frustration for you the consumer, however, we have no control over the guidelines set by the insurance carrier.