If Irma Damaged 19 Year Old Roof

My personal home has a tile roof and it went 32 years before needing to be replaced.

If irma damaged 19 year old roof.

Any advice would be very helpful. Metal roofs and composite shingles. It s in a perfectly adequate shape right now. If your policy is for acv your insurance company will pay the actual cash value of your roof at the time of a covered loss.

I have hail damage and my roof is 20 years old. That said the roof is 11 years old same age as the house. Every 2 years after 15 years. Every 2 3 years after they are 10 years old.

This means the actual cash value minus your deductible amount minus the depreciation cost according to the age of your roof. Roofs that are older than 20 years will normally show signs of deterioration but finding out the extent of any needed repairs saves you a lot of trouble. The walters family home in northwest fort lauderdale has a roof over it once again after damages from hurricane irma three years ago. When a major storm is coming document the roof s condition before and after.

Generally the older your roof the higher the amount depreciated or not covered under your policy. Under normal conditions if the replacement cost of a roof is 15 000 the standard lifetime of a roof is 15 years and the age at loss is 10 years old the depreciated value would be 5 000. The roof is a 20 year composition which according to our inspector means it will probably have a life of 15 years. It is certainly possible that a tile roof could last 40 years.

Wood shingles and shakes. Migdalia alica and her daughter 19 year old caitlyn woke up sunday morning to hurricane irma s howling winds outside their townhome in wellington s french quarter and decided to make the. Every 2 3 years after they are 10 years old. Clay and concrete tiles.

Hello i am a homeowner who has an old roof that is about 17 years old. Their daughter is a graduating college student. We foolishly spent as much in maintenance and repairs over the last few years of the original roof s life as we did on a new tile roof. Yearly once the roof is 5 years old.

Firstly you need to have your roof inspected for any damage leaks or signs of deterioration your inspector will tell you about the issues that you need to address. So should i pay for the roof or should i file insurance to have it fixed.