Put a new roof on the MA house

[CoachKandSportsguy]

21 year old roof with 20 year shingles replaced with 50 year shingles

total new roof cost, $9,000

home insurance's savings $38, on a total insurance cost of $1,300

these numbers don't seem doesn't appear logical. . but all presented are correct.

good luck to us!

[thelegges]

How many squares?

[Topspinmo]

So, why was new roof needed? Did old song and dance come to play it’s old or scam insurance won’t insurance, or was there leak , warped shingles or losing sand? Knowing what we know about insurance scams in Florida are scams making there way to Ma.?

[CoachKandSportsguy]

So, why was new roof needed? Did old song and dance come to play it’s old or scam insurance won’t insurance, or was there leak , warped shingles or losing sand? Knowing what we know about insurance scams in Florida are scams making there way to Ma.?

The new roof was a routine maintenance replacement. No leaks and all the plywood underneath was pristine. All items are replaced after 20 years of service, the last item is the oil burning furnace, which is next month.

The strange part was that a new roof in MA is only worth $38 in home insurance premium. . Yet, companies are not insuring houses with >10 year old roofs. . .

[Topspinmo]

The new roof was a routine maintenance replacement. No leaks and all the plywood underneath was pristine. All items are replaced after 20 years of service, the last item is the oil burning furnace, which is next month.

The strange part was that a new roof in MA is only worth $38 in home insurance premium. . Yet, companies are not insuring houses with >10 year old roofs. . .


IMO insurance companies not in business to give out good deals, just enough deal to undercut competitors….maybe good investment, roof replacement not going to cheaper that’s for sure.

[CarlR33]

My old 2 story roof up north before we left was $20K.

[tophcfa]

21 year old roof with 20 year shingles replaced with 50 year shingles

total new roof cost, $9,000

home insurance's savings $38, on a total insurance cost of $1,300

these numbers don't seem doesn't appear logical. . but all presented are correct.

good luck to us!

Got up on our 19 year old roof in Western Massachusetts last weekend to do the annual clean out of both the wood stove and pellet stove chimneys, the gutters, and wash the side dormer windows. Whenever I drag my old ass up there, I give the entire roof a thorough inspection, and everything looked pristine. We had the best available 40 rear rated architectural shingles installed during the new build, and they still looked almost new. It’s amazing how quickly the intense Florida sun and heat destroys shingles. The 19 year old shingles on our northern home look as good, or better, than the 1 1/2 year old shingles on our Villages home. Apparently, the cold and snow not only doesn’t damage shingles, the snow cover seems to actually protect them?

That being said, screw the cold and snow, I’d rather shovel sunshine all winter and have to replace the shingles every 15 years. On another note, the forecast at our northern home is for temperature to drop into the 40’s tomorrow night. It’s getting close to that time of the year when the early snowbirds begin exercising their wings for the upcoming southern migration. Football season starts next week, the leaves are beginning to start changing color on a couple of our maple trees, Sam Adam’s Octoberfest beer just hit the shelves, and the fall county fairs are beginning to open up. Dam, the time goes by fast.

[Topspinmo]

In OKC 2001 I replaced my hail damages roof (hail size of racketballs) with metal roof after new shingled roof 3 years before. One and done, 14 years still looked like new. Cost then for 2200 sf was 12,900, shingled roof was 9500. My neighbor’s had to replace their roofs again due to hail size racketball or larger. My roof had couple small dings. IMO as home owner I should be able to put any kind roof on my house, now in population closed area color can be limited but roof types no. Developers has metal roof on all there buildings with no restriction on style or type. Besides who actually looks up at roof anyway.

[CoachKandSportsguy]

In OKC 2001 I replaced my hail damages roof (hail size of racketballs) with metal roof after new shingled roof 3 years before. One and done, 14 years still looked like new. Cost then for 2200 sf was 12,900, shingled roof was 9500. My neighbor’s had to replace their roofs again due to hail size racketball or larger. My roof had couple small dings. IMO as home owner I should be able to put any kind roof on my house, now in population closed area color can be limited but roof types no. Developers has metal roof on all there buildings with no restriction on style or type. Besides who actually looks up at roof anyway.

totally agree. . . would love to put a metal roof on, but the cost multiple over shingles is much higher today

[Worldseries27]

got up on our 19 year old roof in western massachusetts last weekend to do the annual clean out of both the wood stove and pellet stove chimneys, the gutters, and wash the side dormer windows. Whenever i drag my old ass up there, i give the entire roof a thorough inspection, and everything looked pristine. We had the best available 40 rear rated architectural shingles installed during the new build, and they still looked almost new. It’s amazing how quickly the intense florida sun and heat destroys shingles. The 19 year old shingles on our northern home look as good, or better, than the 1 1/2 year old shingles on our villages home. Apparently, the cold and snow not only doesn’t damage shingles, the snow cover seems to actually protect them?

That being said, screw the cold and snow, i’d rather shovel sunshine all winter and have to replace the shingles every 15 years. On another note, the forecast at our northern home is for temperature to drop into the 40’s tomorrow night. It’s getting close to that time of the year when the early snowbirds begin exercising their wings for the upcoming southern migration. Football season starts next week, the leaves are beginning to start changing color on a couple of our maple trees, sam adam’s octoberfest beer just hit the shelves, and the fall county fairs are beginning to open up. Dam, the time goes by fast.
you ain't prying gma's fingers off her gc's until santa has left the building

[seecapecod]

Got up on our 19 year old roof in Western Massachusetts last weekend to do the annual clean out of both the wood stove and pellet stove chimneys, the gutters, and wash the side dormer windows. Whenever I drag my old ass up there, I give the entire roof a thorough inspection, and everything looked pristine. We had the best available 40 rear rated architectural shingles installed during the new build, and they still looked almost new. It’s amazing how quickly the intense Florida sun and heat destroys shingles. The 19 year old shingles on our northern home look as good, or better, than the 1 1/2 year old shingles on our Villages home. Apparently, the cold and snow not only doesn’t damage shingles, the snow cover seems to actually protect them?

That being said, screw the cold and snow, I’d rather shovel sunshine all winter and have to replace the shingles every 15 years. On another note, the forecast at our northern home is for temperature to drop into the 40’s tomorrow night. It’s getting close to that time of the year when the early snowbirds begin exercising their wings for the upcoming southern migration. Football season starts next week, the leaves are beginning to start changing color on a couple of our maple trees, Sam Adam’s Octoberfest beer just hit the shelves, and the fall county fairs are beginning to open up. Dam, the time goes by fast.

Same- Birch trees turning yellow in Belchertown!

[Lynnesail]

The new roof was a routine maintenance replacement. No leaks and all the plywood underneath was pristine. All items are replaced after 20 years of service, the last item is the oil burning furnace, which is next month.

The strange part was that a new roof in MA is only worth $38 in home insurance premium. . Yet, companies are not insuring houses with >10 year old roofs. . .

I have a new motto, perhaps a selfish one if you have heirs to your property, but the things I buy now don’t have to live longer than me.

[USOTR]

Keep in mind shingles last about half the time they are suppose to in Florida heat and direct sun.

[CoachKandSportsguy]

I have a new motto, perhaps a selfish one if you have heirs to your property, but the things I buy now don’t have to live longer than me.

LOL! and how many more years do you have? could be 20 or 30 :thumbup:

Would be true here except that we want to sell the house next spring, and prefer a well maintained house, rather than my parent's home, which I just sold with 20 year old appliances and 60 year old furnishings and decor. . the electrical wiring was horrendous by today's standards, room lighting all by single whale oil lamps with electric starts :22yikes: :22yikes: :D

[Worldseries27]

lol! And how many more years do you have? Could be 20 or 30 :thumbup:

Would be true here except that we want to sell the house next spring, and prefer a well maintained house, rather than my parent's home, which i just sold with 20 year old appliances and 60 year old furnishings and decor. . The electrical wiring was horrendous by today's standards, room lighting all by single whale oil lamps with electric starts :22yikes: :22yikes: :d
real estate agent showed us a similar home

[OrangeBlossomBaby]

real estate agent showed us a similar home

And that house will last hundreds of years longer than any house in Florida built after the 1800s.

Whale oil and all. Even through hurricanes, floods, tornadoes.

[jimkerr]

I would have thought 300-400 not 38!

[tophcfa]

you ain't prying gma's fingers off her gc's until santa has left the building

Unfortunately, you’re correct, but that won’t prevent a trip south for a month this fall before the holidays.

[tophcfa]

Same- Birch trees turning yellow in Belchertown!

Will be playing golf at Cold Springs in Belchertown next week.

[Ronnieslager]

We did the same, 50 year shingles, in the state of Minnesota, $400.00 savings with State Farm Insurance the first year, only to have our insurance go up the following year by almost $400.00 - NO SAVINGS in my eyes and insurance company feeling great knowing they won’t ever have to replace our roof. Just saying………

[CoachKandSportsguy]

real estate agent showed us a similar home

LOL! that was my in-laws house, a 250 y/o farm house with a barn, filled by a hoarder who was a WW2 supply manager, keeping everything in case of a breakdown, including 50 yr old spark plugs, etc. . two overflowing dumpsters total. .

Google had $350K, appraisal and final sale, $150K due to original conditions. .

[goneil2024]

Interesting OP.

Some factors to consider:

1. The 3% savings this year, and insurable for most insurance companies.
2. Assuming a 20-yr life for the roof and assuming an average 2.5% annual increase would total $1,000 (cumulative)
3. Few if any commercial insurers list “altruism” as one of their goals, rather the focus is always on net profit for the stockholders, owners, members, or policy holders.
4. In theory, insurance is designed for insurers to indemnify insureds for an agreed, measurable, certain premium, for a future fortuitous event. The insured agrees to pay a sum certain (premium) in the event of that future occurrence, and the cost is spread among the “many who will bare the costs of the few”.

However, given the last few years of premium increases for most homeowners it’s hard to believe that the cost vs. exposure makes any sense. Also, in the last few years there are a number of insurers that are posting record profits. However a good portion of the overall profit for some in recent years is due to investment income (strong stock/bond market) not necessarily underwriting results. Its more than complicated, and influenced by a lot of variables.

The FL Dept of Insurance provides a cost comparison tool “CHOICES” which offers insight on what the rates are by typical insurers by area. As most can appreciate a lot of variables go into determining insurance premiums, such as location, construction, occupancy, building costs, values at risk (exposure), loss history, (for physical property) then there is liability that considers other factors, such as medical costs, loss development, inflation etc.

CHOICES Rate Comparison Search (https://floir.com/consumers/choices-rate-comparison-search)

[thevillages2013]

21 year old roof with 20 year shingles replaced with 50 year shingles

total new roof cost, $9,000

home insurance's savings $38, on a total insurance cost of $1,300

these numbers don't seem doesn't appear logical. . but all presented are correct.

good luck to us!

Do you live in a hut ? I’m calling BS on this one. With the numbers you have presented there is absolutely no way.

[coleprice]

There are:
1. No hurricanes in Massachusetts; and
2. Roofers don't scam insurance companies to make them pay for a new roof at no cost to the home owner in Massachusetts like roofers do in Florida.