Roof longevity (shingled)
Greetings! My first post here at this VERY informational site.
Recently received a letter from my homeowners ins. company stating their "licensed" (no reason to doubt that I suppose, but I'm typically a hope for the best, plan for the worst kind of guy) inspector was by my home and noted areas of "major granular loss" and curling and lifting of shingles (3 tab shingles).
I contacted the ins. agent and asked a bunch of questions including, "did the inspector have any pictures documenting this"? He did.
In looking at the pics, I'm at a loss in deciding how significant of an issue this REALLY is. I'm no roof expert. The roof is original and was installed in 2006. I'll try to attach the pics I received shortly.
It just seems 13 years is not that old for a roof (as compared to up north). Is this the normal life of a roof in this area?
Oh...almost forgot the BEST part. The insurance company wanted me to respond with a date I was going to replace the roof...OR... I could have the coverage reduced to a pro rated vs actual roof replacement cost. For now, I chose to hold off on replacing the roof. No leaks currently.
Thanks in advance!!
Jay
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