10 year old roofs uninsurable

[ithos]

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?

[Ben Franklin]

Just renewed our insurance with State Farm and our roof is 11 years old.

[Stu from NYC]

Blame the crooks who get the insurance companies to pay to replace roofs on 10 year old houses.

The rest of us get to hold the bag in the form of higher home insurance costs.

[retiredguy123]

All insurers do not have a 10 year requirement, but many do have an age requirement that is somewhat longer. And, I don't think a roof inspection would change their age requirement.

[kathyspear]

In the last few years the requirement seems to have gone from "can't get insurance if the roof is 20 years old" to " ... 15 years old" and now, maybe 10? Yikes. Check with other companies. We have Allstate (Cabrillo Coastal) which some people think is too expensive but they were willing to write us a policy with sinkhole coverage. Bought this house about 2 yrs ago, had to replace the 20 year old roof within 30 days of closing escrow. Good luck.

kathy

[Babubhat]

Chip Merlin, president of Tampa-based Merlin Law Group, said home insurers have tightened underwriting requirements for older homes, especially when it comes to roofs, plumbing and electrical systems.

“Roofs are the biggest issue," says Merlin. "Generally, in geographic areas where the demand for insurance exceeds the insurance company's appetite for risk, the greater the underwriting criteria come into play. Florida is such a state, but we are also seeing it along all coastal areas and in areas where hail damage is most prevalent."

Merlin adds that while some companies are tightening inspection requirements and requiring homeowners to cover the cost of these inspections for renewals, most insurers are simply refusing to write new policies for homes with roofs older than 20 years. (See "7 types of homes that are hard to insure.")

"The trend is to require an older roof – 15 to 20 years plus – to have an inspection to get a renewal. This is probably a good policy because it promotes better maintenance and reduces needless loss," says Merlin.

[Arctic Fox]

Was shopping for new car insurance and considered switching both my car and home policies to AAA. One criteria they have is that the roof needs to be less than 10 years.

I guess they don't want your business. Go with one of the many insurance companies that will do 15+.

Once you've been with a company a few years they tend to be more lenient - ours insured at 22 years but said next year might be a problem for them.

[MrFlorida]

Our insurance was 15 years, and I think that's too soon....

[Babubhat]

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes (https://www.nachi.org/florida-life-expectancy.htm)

[Velvet]

And I’ve also heard that some insurance companies do insure you but raise your roof deductible to $15000 or more so above what you would have to pay to replace the roof.

[ithos]

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes (https://www.nachi.org/florida-life-expectancy.htm)

wow. 50 years for vinyl siding.

[eremite06]

AAA Roofing is still soliciting door to door.

[thelegges]

Just switched insurance with a 12 yo roof. No issues

[NYCAROL]

I was told most insurance companies will not accept NEW policies if the roof is over 10 years old. I shopped and found Allstate on Cr101 is the best for homeowners insurance including sinkhole and cheaper than most others.

[l2ridehd]

These are just someone’s attempt to put a number to something and has very little to do with reality. Probably worth checking if you exceed those time lines, but does not mean to replace it. If properly maintained and repaired when needed most things will exceed those guidelines. And in some cases by a lot. And yes there will be those that break down sooner. My AC is 16 years old and still works great. I have it serviced every year and expect it to last 25 years. I except my roof to last 25 years and will never let some door to door solicitor inspect it for free. They will go up and cause damage and show you pictures of a damaged roof they took elsewhere just to sell you a new roof. If it doesn’t leak, don’t replace it. If it does leak, repair it before replacing it. Same with almost everything on that home inspectors hit list. Lists like this is why you can hire 10 home inspectors and number 10 will still find something even after you fixed everything from number 1 through 9.

[bowlingal]

Just left AAA. their increase was unacceptable. Went with Farmers Insurance, No roof requirement and mine is 14 years old

[J1ceasar]

Just estimates on charts .
So far:
My hot water heater 20 years
My roof 22
My wife ????

[willbush]

Architectural shingles are a premium type of asphalt shingles that last 25 to 30 years. This is what we have on our roofs in The Villages. I have USAA and our shingles are 12 yrs and they have no problem. 10 yrs is total Bull.

[Girlcopper]

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years.

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?
Just renewed with a 16 yr old roof. I have no idea who would have told you that

[ithos]

Just renewed with a 16 yr old roof. I have no idea who would have told you that

For AAA it only applies to new policies. I should have made that distinction in my post.

[NY2TV]

I shopped around and couldn't get a new policy because of the age of my roof so I have to keep renewing with current carrier even though rate increases were 25% per year for the past 2 years.

[rrb48310]

I shopped around and couldn't get a new policy because of the age of my roof so I have to keep renewing with current carrier even though rate increases were 25% per year for the past 2 years.

And then they’ll tell you that you’ll have to replace, it happened to neighbors down the street. But then you’ll be able to choose any company you want. It’s legal racketeering.

[Captainpd]

Just renewed with a 16 yr old roof. I have no idea who would have told you that

The original post was about NEW POLICY, NOT RENEWABLE

[wsachs]

I went with State Farm last year. They did a roof inspection and got the policy. My roof is 13 yrs old in Hemingway. Said it was in great shape

[ithos]

I went with State Farm last year. They did a roof inspection and got the policy. My roof is 13 yrs old in Hemingway. Said it was in great shape

That is the first time I have heard of a policy being contingent on a roof inspection. It seems so much more logical than basing it solely on age. There are so many other variables that affect the integrity of a roof.

[nn0wheremann]

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?
Farmers insures my 17 YO roof. Not too expensive.

[davephan]

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes (https://www.nachi.org/florida-life-expectancy.htm)

That’s lists central conditioners only lasting 5 to 12 years. Five years seems way too short for the central AC lifetime in Florida. I’ve heard that central AC in Florida should last 10 to 15 years in Florida, maybe longer if you’re lucky!

[JMintzer]

Just estimates on charts .
So far:
My hot water heater 20 years
My roof 22
My wife ????

What kind of warranty did you get on the wife? :icon_wink:

[irishwonone]

That’s lists central conditioners only lasting 5 to 12 years. Five years seems way too short for the central AC lifetime in Florida. I’ve heard that central AC in Florida should last 10 to 15 years in Florida, maybe longer if you’re lucky!
Air Conditioners are replaced regularly at five years in Florida for those person’s who live on or very near the Ocean. The salt moisture tends to destroy their units. I do agree that living in the Villages they will last much longer.

[ThirdOfFive]

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?
We insure with Progressive and were told of the "10 year rule" as well. Not an issue for us because the roof had been replaced only a few months before we bought our house.

[KRMACK55]

Just renewed our insurance with State Farm and our roof is 11 years old.
It’s a renewal not new read the comment

[KRMACK55]

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes (https://www.nachi.org/florida-life-expectancy.htm)
Can you show me how to get that chart for homes in Georgia ? Is it by county ?
I’m moving to barrow county

Thank you !

[justjim]

Air Conditioners are replaced regularly at five years in Florida for those person’s who live on or very near the Ocean. The salt moisture tends to destroy their units. I do agree that living in the Villages they will last much longer.

Our family direct ocean condo AC is 12 years old and still going strong. Regular Maintenance helps.

[ProfessorDave]

Some quick facts (based on significant industry knowledge).

1) Insurance Claims... The Villages got tons of free roofs; insurers got burned.
2) Florida Roofs... on average last 18 years - even though the "warranties" are 30 - 50 years (sort of)
3) Warranty Compliance... 90% of roofs have VOIDED the MANUFACTURER WARRANTY the day they are installed.
4) Roof Inspections... somewhat of a joke; honestly, if a roofer says "about 5 more years" they are full of crap!
5) Industry Problem... insurance is struggling with roofing - nationwide; second highest payout of all home related issues.

Hope this adds some insight.
Dave

[pgettinger01]

Because customers and roofers are are committing fraud by stating storm damage and the insurance companies are tired of paying for it. If the roof is less than 10 years olds storm damage is less.

[BlueStarAirlines]

Here is a good read for insurance on roofs:

Florida Senate Passes Bill Altering Property Insurance on Roof Damage Claims | 2021-04-08 | Roofing Contractor (https://www.roofingcontractor.com/articles/95532-florida-senate-passes-bill-altering-property-insurance-on-roof-damage-claims)

You may be able to get insurance renewal on your more than 10+ year roof, but you may not have the coverage that you think you do.

[taruffi57]

You are being scammed. Unless damaged by hail or other severe weather, the MINIMUM known life of any type fiberglas/asphalt shingle is 25 years. Architecturals - 30 yrs. Manufacturers have that in writing in their warrantees.
Change insurance companies. In my 42 yrs. in roofing in Cen. Fla., I know that shingles will last that long. I was a Fl. Certified Roofing Contractor in Orlando fof 24 yrs. (5,000+ roofs installed) and I have probably been on closer 8,000 roofs.

[NoMoSno]

You are being scammed. Unless damage by hail or other severe weather, the MINIMUM known life of any type fiberglas/asphalt shingle is 25 years. Architecturals - 30 yrs. Manufacturers have that in writing in their warrantees.
Change insurance companies. In my 42 yrs. in roofing in Cen. Fla., I know that shingles will last that long. I was a Fl. Certified Roofing Contractor on Orlando gor 24 yrs.
Good luck collecting on a manufactures warranty after 20 years.

[taruffi57]

Mine is 24 yrs. old and will freeze you.

[ithos]

Here is a good read for insurance on roofs:

Florida Senate Passes Bill Altering Property Insurance on Roof Damage Claims | 2021-04-08 | Roofing Contractor (https://www.roofingcontractor.com/articles/95532-florida-senate-passes-bill-altering-property-insurance-on-roof-damage-claims)

You may be able to get insurance renewal on your more than 10+ year roof, but you may not have the coverage that you think you do.

The changes seemed reasonable to me. I wouldn't expect to get a 20 year old roof replaced for no expense. When a 10 year old car is totaled you don't expect to be reimbursed the cost of a late year model. If it helps to stop the lawsuit abuses then the ethical consumer wins in the long run.

[rjm1cc]

Here is a good read for insurance on roofs:

Florida Senate Passes Bill Altering Property Insurance on Roof Damage Claims | 2021-04-08 | Roofing Contractor (https://www.roofingcontractor.com/articles/95532-florida-senate-passes-bill-altering-property-insurance-on-roof-damage-claims)

You may be able to get insurance renewal on your more than 10+ year roof, but you may not have the coverage that you think you do.
Seems that this will be good for us as it could remove the practice of replaceing a roof at 15 years. Be interesting to see what happens in the next few years.

[davephan]

Just estimates on charts .
So far:
My hot water heater 20 years


Be careful with the 20 year old water heater! When they get too old, the bottom suddenly bursts and floods your house! In the past, I've replaced my water heater every ten years to prevent a flood in the basement in the old homes up north. It also controls the hot water outage to your schedule, and avoids the costly emergency service water heater replacement.

I've never replaced my anode rod, but your anode rod probably needed to be replaced a long time ago. Here's a video that shows you how to replace the anode rod.

How to Replace a Water Heater Anode Rod - YouTube (https://www.youtube.com/watch?v=wzecqGyCllU)

[conman5652@aol.com]

The new dimensional shingles are now good for fifty years. Standard in the industry now. This started about 10 yrs or so. And before that all dimensional shingles were good for 25 yrs to forty yrs. now three tabs were only 15 or 20 yrs. So I would get them to say why.

[SharonW]

Just a question. If you have a warranty, , why are you filing insurance claims? Why is the original roofer and manufacturer of shingles not paying? They gave you the warranty. Just curious.

What Is The Average Warranty For A New Roof? | RGB Construction (https://rgbconstructionservices.com/what-is-the-average-warranty-for-a-new-roof/)

[Ben Franklin]

It’s a renewal not new read the comment

Read comment #20 by OP. He didn't clarify in his original post and in post #20 he penned: "For AAA it only applies to new policies. I should have made that distinction in my post."

[DaleDivine]

It’s a renewal not new read the comment
NOT the OP...
:ohdear::ohdear:

[DaleDivine]

I'm thinking about replacing mine with a metal roof.
:coolsmiley::a040:

[mikebama]

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes (https://www.nachi.org/florida-life-expectancy.htm)

Hat tip 🥃🥃

[Topspinmo]

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?

I would like to thank all the roof scammers that got the free roofs for causing my insurance to go up 600 dollars. I just love paying for all you’re roofs UCbs.

[Topspinmo]

I'm thinking about replacing mine with a metal roof.
:coolsmiley::a040:

Not so fast, the developers can have metal roofs on their buildings but not allowed on residential houses. Sucks don’t it.

[retiredguy123]

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?
I think it is a mistake to think you are going to get a better deal by having your auto and homeowners policies with the same company. Shop around for each policy separately. If they say you will get a multi-policy discount, do the math. You will often pay less by having policies with two different companies.

[tophcfa]

Not so fast, the developers can have metal roofs on their buildings but not allowed on residential houses. Sucks don’t it.

It does suck. Many developer owned buildings have metal roofs, but they are tricky to get through deed restriction for residents. Also, it would be difficult to get the solar blankets that heat the water in our pool installed on a metal roof.

[Topspinmo]

It does suck. Many developer owned buildings have metal roofs, but they are tricky to get through deed restriction for residents. Also, it would be difficult to get the solar blankets that heat the water in our pool installed on a metal roof.

Why would it be any different than shingled roof? I would think it would be easier to mount or are you saying the metal roof won’t heat water like shingled roof?

[tophcfa]

Why would it be any different than shingled roof? I would think it would be easier to mount or are you saying the metal roof won’t heat water like shingled roof?

I called T & D construction, the company that installed our pool and solar heating, and asked if they would reinstall the solar if I replaced our asphalt roof with metal. The answer was no. Apparently the method used to attach the solar system to an asphalt shingled roof would not work on metal and there are too few metal roofs to make it worth their effort to install solar on metal roofs and offer their standard warranty.

[eyc234]

Did research on metal roofing a few months ago to get info for next roof if we are still in this house and TV. You can get stamped metal roofing that looks like shingles and comes in various colors and styles. Not cheap but last almost indefinitely. Then spoke to TV ARC office about metal roofs. First response was not an option. Then explained with pictures what I was looking at and response changed to submit and it could be possible with changing of technology and styles. The option of having barn style, straight panel roofing will probably not be in the near future until price of insurance and roof replacement become so high that government steps in to override HOA's.

[Orvil]

I swear that I saw a home for sale in TV sometime this summer with a standing seam metal roof. It stood out and made an impression on me. I believe it was on a home in the northern area.

Just wondering out loud. What kind of roof do the manufactured homes in the older sections have? Metal.

[kkingston57]

[QUOTE=Velvet;1974573]And I’ve also heard that some insurance companies do insure you but raise your roof deductible to $15000 or more so above what you would have to pay to replace the roof.

I was in the insurance adjusting business and the majority, if not all, of the insurance companies do not have a "roof" deductible. They do have a windstorm/hurricane deudcitble which is usually a % of your homes value. For example if you have a $300,000 policy and a 5% wind deuctible the deuductible is $15K. If something falls from a plane and hits your roof your regular deductible should appy.

[New Englander]

Architectural shingles are a premium type of asphalt shingles that last 25 to 30 years. This is what we have on our roofs in The Villages. I have USAA and our shingles are 12 yrs and they have no problem. 10 yrs is total Bull.

:agree:

[chet2020]

We just bought a home in TV, roof about 20 years old, building inspector report indicated roof was in "excellent" condition. We had no problem getting home insurance. Maybe we were just lucky. When I compared the cost of our policy with the policies of our friends in TV, I think we paid a slight premium, maybe $100/year more than if we had a new roof.

[Challenger]

Blame the crooks who get the insurance companies to pay to replace roofs on 10 year old houses.

The rest of us get to hold the bag in the form of higher home insurance costs.

Right On.