Mackenzie Click-Mickelson
Chugging along the path of life
- Joined
- Oct 23, 2015
I tried to mention to y'all that replacing of roofs isn't necessarily location dependent. With the insurance company I worked on roofs approaching 20 years were often targeted for letters sent to replace, this was nationwide not particular to one place or another (roofing material dependent of course). You may not have hail damage like some parts of the U.S. but you can have sun damage. Granular loss is a big one between sun and wind. Flat roofs and tar materials, etc need constant attention as well. It's just about the realistic expected lifespan. Insurance companies are trying to in essence use preventative tactics. An older roof can be prone to leaks as just an example. My mom's roof wasn't too too old but she had some damage that caused a leak, the insurance company paid for repair not replacement (as it didn't need a full replacement yet) and then they paid for water damage repair to the inside of the house. Repairs can still cost a pretty penny. While wood roofs are not nearly as common curling of the shingles is a known problem with those.
People may not realize but insurance companies from time to time also reinspect homes. That is one way you can cancel a policy once you're past discovery period too. I dealt with that a lot in underwriting. And it doesn't take a claim to do that reinspection either.
People may not realize but insurance companies from time to time also reinspect homes. That is one way you can cancel a policy once you're past discovery period too. I dealt with that a lot in underwriting. And it doesn't take a claim to do that reinspection either.