The Roof Age Limit

One frequently asked question about the fha loan process is related to fha appraisals and the minimum requirements for the roof of the home.

The roof age limit.

Having a good strong roof makes sense on many levels. Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age. This difference could amount to thousands of dollars depending on the age of your roof. Stone tiles stone tiles are typically made of slate clay or terra cotta and concrete.

Copper offers an old world appeal to your roof as it ages to a pale green patina and can last up to 100 years. Estimating roof age is difficult. If your roofer s inspection reveals your roof has suffered no detrimental damages then your asphalt shingle roof is worth using for the next 3 5 more years. If you have an asphalt shingle roof that is over 10 years old for example the likelihood of claim denial goes up.

Paired with effective maintenance you can be sure it can go beyond its age limit but with a few caveats. Obviously the best way to know your roof s age is by keeping records from the last time the roof was replaced. If you had data showing that normal wear and tear tends to limit roof age you would probably make the same demands. Home insurance policies usually cover roof damage caused by fire vandalism and acts of god such as hurricanes and tornadoes.

Your insurance company can argue that roof damages were exacerbated by the roof s age. Another factor leading to more roof replacement demands is insurance fraud. Or they may offer a claim settlement that is lower than you hoped. A roof is usually the best it s going to be when it s installed.

If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs. If your roof is damaged contact a licensed florida roofing contractor for help. Inspections reveal no detrimental damages. Imagine that your roof leaks after a heavy rainstorm.

How old is that roof. Roofs last a long time with the typical asphalt shingle roof lasting between 15 to 25 years depending on the type of installation. The florida building code dictates who may work on roofs and the florida roofing laws for when roofs may be reroofed repaired or replaced within or outside of high velocity hurricane zones. New shingles can tolerate much more abuse from elements like hail.

A damaged 10 year old roof will likely get coverage for a full replacement.