Hey, I’m trying to figure out how old my roof is for insurance purposes. I’ve heard it can affect coverage and rates, so I’m hoping to get some tips on how to find out. Anyone else been through this?
Yeah, I had to figure this out for my house. First thing I did was check with the previous owners. They gave me some info about when it was installed, which helped a lot.
Terry said:
Yeah, I had to figure this out for my house. First thing I did was check with the previous owners. They gave me some info about when it was installed, which helped a lot.
Thanks! That’s a good idea, I’ll try reaching out to them. Did they have any documentation or just remember?
@River
They didn’t have papers, but they remembered roughly when it was replaced. If they don’t know, you can also check building permits. Sometimes you can find info there.
If the previous owner isn’t helpful, you could try asking the roofer who did the work if you know who it was. A lot of roofing companies keep records for years.
Phoenix said:
If the previous owner isn’t helpful, you could try asking the roofer who did the work if you know who it was. A lot of roofing companies keep records for years.
I didn’t think of that! I might be able to find the company info from a neighbor or something. Appreciate the tip.
Another option is checking any warranty docs you might have. If your roof was installed recently, the warranty should have the date and even some details about the materials used.
Tatum said:
Another option is checking any warranty docs you might have. If your roof was installed recently, the warranty should have the date and even some details about the materials used.
I do have some paperwork… I’ll see if the warranty info is there. Thanks!
If all else fails, you can hire a roofing inspector. They can usually estimate the age based on wear and tear. That’s what I had to do when I couldn’t get any info.
Zayne said:
If all else fails, you can hire a roofing inspector. They can usually estimate the age based on wear and tear. That’s what I had to do when I couldn’t get any info.
Yeah, I did that too. My insurance company wanted proof, and the inspector’s report helped get everything sorted.
FYI, if your roof’s over 20 years old, insurance companies might not cover it as fully. They’ll either raise premiums or require you to replace it to keep coverage.
Arden said:
FYI, if your roof’s over 20 years old, insurance companies might not cover it as fully. They’ll either raise premiums or require you to replace it to keep coverage.
Yikes, didn’t know that. Mine might be pushing 20, so I guess I better find out soon. Thanks for the heads-up!