Time for a new insurance company friend unless you live somewhere with lots of roof damage that shouldn’t be an issue. Farmers was more than happy with my 15 year old architectural shingles upon inspection.
I use a broker and am currently with AAA. My broker told me triple A is the easiest to get people insured with so if they had a problem pretty much everyone else would too. I had about 5% of shingles lifting which would have costed 5k to fix but triple A said go fuck yourself and get a new roof, which thankfully was only 7k. But in that whole ordeal both my insurance broker and the roofing company told me that insurance companies rarely cover roofs over 10 years old. The roofer told me he over the past few years he’s gotten loads of people with decent roofs who’s hands were forced by insurance companies and the number is increasing every year. Sounds like you got lucky with a decent looking roof at 15 years or it was a while ago.
It was just 8 months ago. I had no lifting or damage and the inspector for the insurance company estimated the roof was 8-10 years old and I provided documentation it was 15 years old. I’m not saying you are wrong but this is probably highly variable by state. Even hurricane riddled Florida has laws on the books saying insurance can’t decline your coverage if the roof has 5-8 useful years per the inspector of your choice.
Time for a new insurance company friend unless you live somewhere with lots of roof damage that shouldn’t be an issue. Farmers was more than happy with my 15 year old architectural shingles upon inspection.
I use a broker and am currently with AAA. My broker told me triple A is the easiest to get people insured with so if they had a problem pretty much everyone else would too. I had about 5% of shingles lifting which would have costed 5k to fix but triple A said go fuck yourself and get a new roof, which thankfully was only 7k. But in that whole ordeal both my insurance broker and the roofing company told me that insurance companies rarely cover roofs over 10 years old. The roofer told me he over the past few years he’s gotten loads of people with decent roofs who’s hands were forced by insurance companies and the number is increasing every year. Sounds like you got lucky with a decent looking roof at 15 years or it was a while ago.
It was just 8 months ago. I had no lifting or damage and the inspector for the insurance company estimated the roof was 8-10 years old and I provided documentation it was 15 years old. I’m not saying you are wrong but this is probably highly variable by state. Even hurricane riddled Florida has laws on the books saying insurance can’t decline your coverage if the roof has 5-8 useful years per the inspector of your choice.