Started By
Message

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

Posted on 6/15/24 at 10:45 am
Posted by HubbaBubba
F_uck Joe Biden, TX
Member since Oct 2010
46368 posts
Posted on 6/15/24 at 10:45 am
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."

THE frickING ROOF IS PERFECTLY FINE!
Posted by Coastal Tiger
Along the vanishing Louisiana coast
Member since Apr 2005
2146 posts
Posted on 6/15/24 at 10:47 am to
They’re not worried about the roof now. They’re worried that an older roof will blow apart during a hurricane or wind event, thus causing a larger claim.
This post was edited on 6/15/24 at 10:51 am
Posted by Worldly Bum
Member since Jun 2024
223 posts
Posted on 6/15/24 at 10:49 am to
quote:

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


He lives in North Texas. Don't think he's worried about hurricanes.
Posted by Coastal Tiger
Along the vanishing Louisiana coast
Member since Apr 2005
2146 posts
Posted on 6/15/24 at 10:51 am to
Edited for north Texas.
This post was edited on 6/15/24 at 10:52 am
Posted by VetteGuy
Member since Feb 2008
29128 posts
Posted on 6/15/24 at 10:53 am to
Shingle warranties oughta be until infinity b/c nobody ever collects anyway.
Posted by Sidicous
Middle of Nowhere
Member since Aug 2015
17737 posts
Posted on 6/15/24 at 10:54 am to
Wonder if that applies to the metal roofs too? Some of those are lifetime warranted.
Posted by HubbaBubba
F_uck Joe Biden, TX
Member since Oct 2010
46368 posts
Posted on 6/15/24 at 10:58 am to
quote:

Wonder if that applies to the metal roofs too? Some of those are lifetime warranted.
Wondering that, myself. Or a tiled roof.
Posted by Play_Neck
Member since Dec 2014
1930 posts
Posted on 6/15/24 at 11:00 am to
Yea, like what if you have a heavy slate roof or those heavy orange terra cotta tiles
Posted by Thecoz
Member since Dec 2018
2700 posts
Posted on 6/15/24 at 11:04 am to
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..
Posted by el Gaucho
He/They
Member since Dec 2010
53954 posts
Posted on 6/15/24 at 11:05 am to
Is there a 10/20/10 for house insurance?
This post was edited on 6/15/24 at 12:46 pm
Posted by LegendInMyMind
Member since Apr 2019
56396 posts
Posted on 6/15/24 at 11:14 am to
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.
Posted by Bard
Definitely NOT an admin
Member since Oct 2008
52207 posts
Posted on 6/15/24 at 11:28 am to
quote:

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."


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.
Posted by Covingtontiger77
Member since Dec 2015
10793 posts
Posted on 6/15/24 at 11:55 am to
Roofer told me this regarding roof longevity.

With the heat, humidity, thunderstorms and tropical systems of SE Louisiana you should legitimately replace your roof every 15 yrs.

Insurance companies know this.

Hence why they now put ACV endorsements on the policies for roofs over 10 yrs old.

Too many people use home insurance as a maintenance program for their houses.

I have neighbors that hoped for damage following a hurricane so that they can get a new roof from their carrier.

No one wants to take individual responsibility for themselves and make good decisions. Perhaps you should not have $1200 car notes on Tahoes and F250s.

Perhaps a smaller car at $600 a month and then put the other $600 into an emergency find for home repairs and maintenance.



This post was edited on 6/15/24 at 12:44 pm
Posted by Cheese Grits
Wherever I lay my hat is my home
Member since Apr 2012
55468 posts
Posted on 6/15/24 at 11:56 am to
quote:

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


The lie

quote:

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


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.
Posted by Salmon
On the trails
Member since Feb 2008
83768 posts
Posted on 6/15/24 at 11:59 am to
My insurance 100% depreciated my roof because it was 20 years old.

It didn’t leak. It was fine. I only had to replace it because 2 fricking trees fell on it.

I’ll always replace my roof around 8 years now.

I hate insurance.
Posted by Tarps99
Lafourche Parish
Member since Apr 2017
7992 posts
Posted on 6/15/24 at 12:23 pm to
quote:

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.


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.
Posted by Turnblad85
Member since Sep 2022
1562 posts
Posted on 6/15/24 at 12:28 pm to
quote:

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





My uncle in Etx has a 26ga metal exposed fastener roof and his insurance went up like 50% recently. When he had is agent shop around the other insurances told him to get lost because his roof was just over 15 years old.

Wonder if it would've been different if his roof was the better hidden-fastener standing seam?
Posted by Covingtontiger77
Member since Dec 2015
10793 posts
Posted on 6/15/24 at 12:41 pm to
quote:

I hate insurance.



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.
This post was edited on 6/15/24 at 12:42 pm
Posted by Athis
Member since Aug 2016
12227 posts
Posted on 6/15/24 at 12:44 pm to
I am in the same boat... But I wonder if there is a hurricane and the roof comes apart and the insurance company pays off on the roof will my policy go down now that I have a new roof?
Posted by Covingtontiger77
Member since Dec 2015
10793 posts
Posted on 6/15/24 at 12:46 pm to
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.
first pageprev pagePage 1 of 3Next pagelast page

Back to top
logoFollow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram