If Irma Damaged 19 Year Old Roof

If your policy is for acv your insurance company will pay the actual cash value of your roof at the time of a covered loss.

If irma damaged 19 year old roof.

It s in a perfectly adequate shape right now. Clay and concrete tiles. Wood shingles and shakes. The truth is it really should ve been at more like 27 years.

There are some loose shingles but nothing to really worry about says our inspector. Cincinatti insurance company sent an adjuster out and said there is no damage to my roof but i have a section of shingles about 4 x 4 area that the wind has pulled away from the roof. Any advice would be very helpful. Their daughter is a graduating college student.

Hello i am a homeowner who has an old roof that is about 17 years old. Generally the older your roof the higher the amount depreciated or not covered under your policy. Migdalia alica and her daughter 19 year old caitlyn woke up sunday morning to hurricane irma s howling winds outside their townhome in wellington s french quarter and decided to make the. It is certainly possible that a tile roof could last 40 years.

Every 2 years after 15 years. That said the roof is 11 years old same age as the house. Yearly once the roof is 5 years old. This means the actual cash value minus your deductible amount minus the depreciation cost according to the age of your roof.

I have hail damage and my roof is 20 years old. Every 2 3 years after they are 10 years old. The walters family home in northwest fort lauderdale has a roof over it once again after damages from hurricane irma three years ago. Under normal conditions if the replacement cost of a roof is 15 000 the standard lifetime of a roof is 15 years and the age at loss is 10 years old the depreciated value would be 5 000.

My personal home has a tile roof and it went 32 years before needing to be replaced. When a major storm is coming document the roof s condition before and after. Firstly you need to have your roof inspected for any damage leaks or signs of deterioration your inspector will tell you about the issues that you need to address. Roofs that are older than 20 years will normally show signs of deterioration but finding out the extent of any needed repairs saves you a lot of trouble.

The roof is a 20 year composition which according to our inspector means it will probably have a life of 15 years. So should i pay for the roof or should i file insurance to have it fixed.