If Irma Damaged 19 Year Old Roof

Their daughter is a graduating college student.

If irma damaged 19 year old roof.

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. It s in a perfectly adequate shape right now. This means the actual cash value minus your deductible amount minus the depreciation cost according to the age of your roof. Wood shingles and shakes.

Yearly once the roof is 5 years old. Clay and concrete tiles. There are some loose shingles but nothing to really worry about says our inspector. The walters family home in northwest fort lauderdale has a roof over it once again after damages from hurricane irma three years ago.

So should i pay for the roof or should i file insurance to have it fixed. When a major storm is coming document the roof s condition before and after. Hello i am a homeowner who has an old roof that is about 17 years old. 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.

That said the roof is 11 years old same age as the house. 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. Metal roofs and composite shingles. Every 2 years after 15 years.

Any advice would be very helpful. It is certainly possible that a tile roof could last 40 years. I have hail damage and my roof is 20 years old. The roof is a 20 year composition which according to our inspector means it will probably have a life of 15 years.

Generally the older your roof the higher the amount depreciated or not covered under your policy. Every 2 3 years after they are 10 years old. The truth is it really should ve been at more like 27 years. My personal home has a tile roof and it went 32 years before needing to be replaced.

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. 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.