A quality roof can last 20 or even up to 100 years! Just depends on the roofing materials used and how well the homeowner takes care of the roof. But it doesn’t matter what materials or quality roof care you have when it comes to insurance covering your roof.
A good rule of thumb is to expect changes in your policy when your roof reaches 10 years of age and even more changes when it reaches 20 years of age. You should always do routine inspections and regular roof maintenance to keep your roof in the best working condition.
While roofs can last a long time depending on the materials used; the insurance company is going to look at the age of your roof when it determines the insurability in it. Some insurance companies won’t cover a roof that is older than 20 years. Then there are those insurance companies that will only cover the replacement of the roof at the value of a 20-year-old roof; which will not cover the entire cost of a new replacement.
The 20-year rule is not the only thing insurance companies use to assess coverage. Most manufacturers warranties only last for 20 years; depending on the materials used. Insurance will also look at the overall condition of the roof; this will help determine the coverage of the roof.
It’s best to talk to your insurance agent to determine the best course of action to insure your roof.
If you have questions or concerns about your roof, call Down Under Roofing today. We are local to Kansas City, and have experience working with insurance companies. Down Under Roofing has a proven track record and is licensed and insured. Contact the team today to see how we can help you with your gutter and roofing needs.
