What's the point of paying for 35 year rated shingles if the insurance company won't...

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They’re worried that an older roof will blow apart during a hurricane, causing a larger claim.

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He lives in North Texas. Don't think he's worried about hurricanes.

Shingle warranties oughta be until infinity b/c nobody ever collects anyway.

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Wonder if that applies to the metal roofs too? Some of those are lifetime warranted.

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Wondering that, myself. Or a tiled roof.

I recently had a roof replaced..
here is what happened…
Had hail damage and older shingles
.. they were 30-35 ( architectural)..
insurance company said yup hail damage.. so we will replace them but take off some wear and tear value if shingles.. ( I do not have 100 percent replacement insurance.. as most do not do that for roofs anymore).. anyway they gave me the cost of .. ripping off old roof.. taking down gutters.. putting gutters back up… new underlay.. new venting.. hauling stuff away.. new shingles ( at a depreciated cost )..

When all done the cost of all the activity plus 50 percent value of new shingles ended up pretty significant.. even if they depreciated the value of the shingles and you get them to pay for all the other stuff it is worth trying..

So 35 years gives you a few more years to argue with them ?

Fwiw … I did not expect my insurance company to give me anything..

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Write a policy if it is more than 15 years old?

That's the problem I'm finding in North Texas.

Agent, "When did you last replace the roof?"

Me: "In 2009, but I upgraded to a 35-year rated shingles"

Agent: "Sorry, but no insurer will cover it. I recommend you replace it ASAP."

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Mine is just the opposite.

Me: there's continual grit loss and various minor damage points along our roof and it's about 13-14 years old.

Agent: our inspector said it was just fine.



Also our insurance company...

Me: a large tree in my yard got hit by lightning and it's leaning heavily toward a neighbor's home. If it falls, they will sue and you will have to pay out tens of thousands of dollars. I can get it all cut down for about $5k. It sure would help if insurance would cover some of that.

Insurance: Nope. If it falls on their home we'll pay the claim but we aren't giving you shite for trying to avoid costing us more.

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What's the point of paying for 35 year rated shingles

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The lie

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Write a policy if it is more than 15 years old?

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The truth


Old school roofing was done on 1x's with equal gap for heat and air transfer. Now they use OSB for speed and profit. Heat builds up so a 35 years "Warranty" shingle will actually last about 1/2 of that lifespan. Insurance companies are very aware if this and write policies accordingly.

Slate
Copper
Steel
Clay
Tin (seam roof)

All have MUCH larger lifespans but less profit in installing them.

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Any honest roofer today will tell you that they don't make a 35 year shingle anymore. Oh, they will sell you a shingle that they say is a 35 year shingle, but it is not comparable in any way to shingles 20-30+ years ago.

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Let me put my tin foil hat on.

I think the shingle manufacturers are either colluding with the insurance companies or shingle manufacturers know that a storm will come through X amount of years and the roof will need to be replaced anyway. So there is no need for shingles to last 40-50 years if the insurance company is going to write a check for a new one if it fails in under 10 years.


In my opinion, shingle manufacturers should also stand behind their warranties. If you purchase 150 MPH shingles and it fails for a storm at 100 MPH at less than 10 years old, the manufacturer should step in and replace the shingles at no cost or a prorated amount.

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I hate insurance.

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Then why buy it?



I hate it as well.

The issue is that I don’t own my house.

I have a silent partner called a mortgage company that allows me to rent the house on terms they dictated when I needed a loan. In return they allow me and my family to live their house provided I pay the monthly rent to them. The contract I signed with them requires me to keep insurance on their asset.

Once I pay it off and I actually own the house then I can choose not to participate in the “insurance scam”.


Perhaps I will just buy a fire only policy and self insure for wind damage.

Summary.
If you have a mortgage then you don’t own your house. The bank does. They require home insurance.


Save some money by cutting back on BS unnecessary spending and save that money to go toward normal wear. and tear on your home.


You need to budge to put a new roof on your house every 15 yrs, a new aC system 12-15 yrs, and water heater every 10.

Be a responsible tenant.

Lol at the down vote.


Bro if you have a mortgage then you have at best a silent partner and at worst a landlord.


Deal with it.

Until payment 360 clears- you don’t own dick.