Insurance

New Roof + New Policy soon. Possible?

My home has a 22 year old roof. I frequently get door-to-door roof company salesman telling me my roof is damaged and I need to get it replaced. Well, I let one inspect my roof and there’s legitimate damage, missing shingles, cracked shingles, etc. I’d like to begin the process of getting a new roof.

However, I’m also in the process of updating my home insurance policy. I’ve scheduled cancellation of my existing policy for 1 month from now, and my new policy begins. The roofing company rep explained that my policy would only cover the roof if it was active during the storm date.

Given that I have 1 month left on my existing policy, does anyone think this is possible? Preferably, I’d like to begin filing a claim and get a new roof within the month before my policy expires, but I’m unsure if 1 month is long enough, or if home insurance will allow this.

Thanks in advance!

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5 Comments

  1. What storm? It’s common for roofers to try to convince you that insurance will pay for their work and that you don’t need to worry about the price because the insurance company is going to make everything ok.

    Roofs need to be replaced as a matter of routine maintenance. The fact that your 22 year old roof is in bad shape and needs to be replaced is not evidence that it was damaged by a covered loss and that your insurance company owes to fix it.

  2. You are responsible for the maintenance of your home. Homeowners insurance is not a maintenance policy Your roof has gone through its lifespan, so why does the insurance company owe you a new one?

  3. When you file a claim you’ll have to know the date of the loss that caused your roof to be damaged. I very seriously doubt you’re getting much from a 22 year old roof.

    Insurance isn’t a maintenance policy, it’s an emergency policy. You’re responsible as a homeowner to upkeep your home and not rely on insurance

  4. I’d add that a lot of home insurance companies will do an inspection and if they see that kind of damage will cancel your policy unless you get it repaired.

  5. You don’t have a damaged roof. You have a dead roof. It has gone all the way through it’s life span.

    Stop talking to people who knock on your door and start calling reputable roofers. Maybe this one is. Maybe they aren’t. If he’s telling you insurance will pay the bill I’m going to lean toward the latter, not the former.

    Asphalt Shingle roofs in Washington last an average of 22 years. Some last longer and some last less. We are some of the kindest to roofs in the country. Weather doesn’t beat our roofs up. We don’t have hail, tornadoes, strong winds, or hurricanes. The worst we get is bad maintenance with moss issues.

    If your roof is 22 years old, you just need a new roof. The insurance company doesn’t owe you a new one.

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