Talk of The Villages Florida - View Single Post - Roof longevity (shingled)
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Old 03-30-2019, 10:43 AM
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Interesting post Jay. You do not say if this was a new policy. I typically do not hear of Insurance companies just "sending a guy" to your house, walking all over your roof checking it without making an appointment or anything. Sounds strange. One wonders who gave him permission to enter your property and go on your roof, etc.

That being said, here in Florida a roof over 15 years old is typically towards the end of it's expected life. Now there are factors that can make this just an average. The steeper the roof, the longer it usually lasts. The color of the roof can also be a factor. Are there trees overhanging the roof? Are Palm tree fronds bushing up on it.

My home was built in 2006. The roof is 13 years old. It is starting to show it's age. I would budget for a new roof within the next few years, if the condition of the roof warrants it.

I also have seen 20 year old roofs that look great. What I said above is an average. Every home is different.

Folks tell me, "But I have 30 year rated shingles!" That means little down here. The Sun, the heat, how well your attic is vented, etc, etc, all factor in.

Insurance companies are in business to make money. The lower the risk of you having a claim, the more money they make. Some insurance companies will not even insure a house if the shingles are over 10 years old. Some will with no problem.

In any event, you should budget for a new roof within the next few years. If your insurance company does not like that, and wants you to do more, you always have the option to shop around for a different insurance company.

There is some wisdom in replacing your roof on YOUR schedule, and not wait for leaks to occur, or wait until after a bad storm makes it difficult to find a roofer that has less than a 6 month wait list.

I'm the kind of guy who gets things done before I need it. I do not drive on bald tires and I do not want for expensive leaks to occur before I replace my roof.

Hope that helps!

Frank
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