Quote:
Originally Posted by n8xwb
If you have 3 Tab shingles, the roof is replaced because of a code change requiring a higher wind rating.
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Not exactly correct. Your roof will not be replaced simply because the code has changed. There has to be damage to the roof first. Policies typically have 'code upgrade' coverage. If there is damage and it necessitates replacement, insurance will pay for that plus any additional cost it takes to repair in order to meet the new code requirements. Just not meeting the new code does not trigger insurance coverage.