Quote:
Originally Posted by ithos
I don't think older appliances are going to prevent someone from obtaining home insurance. A roof near EOL definitely will make it much more difficult. Unless you find buyers who are woefully uninformed about the new policies, it will be a big factor.
Why would anyone buy a house where there is a concern about obtaining insurance? Only if you gave them an incredible deal.
The AC is a good point. If you replace it with a 410A condenser, then you will have at least 15 years before they have to worry about a new one. There are already approved alternatives for 410A refrigerant which is being phased out. After 2025 it will be much more difficult to find 410A condensers which means you may have to replace the inside unit too. That costs almost as much as a roof.
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I agree that an uninsurable house would be a problem. But, I think a house with a 15 year old roof is insurable. You may need to get a roof inspection. I haven't kept up on the Florida law, but I believe that there are new rules about what insurance companies can and cannot do with respect to older roofs. It may be worth the time to call a few insurance companies and possibly get your roof inspected.