Introducing our latest video, about changes to homeowners insurance regarding Roofs. In today’s fast-paced world, staying informed about shifts in insurance policies is crucial for homeowners. One significant alteration in the landscape of homeowners insurance revolves around the age of your roof. Previously, insurance companies would readily offer coverage regardless of the age of your roof. However, this paradigm has shifted. Nowadays, if your roof exceeds a certain age, typically around 15 to 20 years, you might encounter difficulties obtaining a quote. Insurers are increasingly reluctant to extend coverage to older roofs, emphasizing the importance of regular home maintenance as a homeowner responsibility.

In this enlightening video, we delve into the evolving landscape of homeowners insurance and its implications for property owners, particularly concerning roof maintenance. One notable change is the adjustment in how insurance companies assess claims related to roof damage. Unlike in the past, where insurance adjusters might readily approve claims and facilitate roof replacements, there’s now a more stringent evaluation process in place. Wear and tear are increasingly being factored into claims decisions, meaning that insurance companies are scrutinizing the age and condition of roofs more closely than ever before.

Our owner and founder, Pat Brennan, explains more. Check out the video below!

Changes to Homeowners Insurance Regarding Your Roof – Entrust Insurance, St. Clair Shores

Video Transcription

“As of right now, there’s a number of companies- if your roof is over generally 15 to 20 years old, you may not even be able to be offered a quote, they may not even offer you a price, because it falls outside of eligibility. They want newer roofs, they do not want to insure your house, if you have a 30 year old roof. It’s home maintenance. It’s something you should pay for out of pocket, not the insurance company. That’s how it’s been for a few years. Roof guy shows up on your doorstep, knocks on your door says I can get your insurance company to pay for that roof- and they do. They’ve stopped doing that now. So wear and tear is being factored into claims decisions and new clients trying to purchase- If it’s too old, they may not even offer it. If they do, they may offer coverage based on a payment schedule or depreciated claims payout. Meaning they’re going to factor in how old is the roof at the time of the claim and they’re going to back out that amount out of your claim payment.”

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