Does anyone have recommendations for insurance companies in Florida that would insure a home with a 20-year-old roof, even if they don’t provide coverage for the roof itself? The roof is in good condition, and the owner would like to hold off on replacing it for a few more years. Thanks!
Does anyone know of an insurance company that would insure a home with a 20-year-old roof in Florida, even if they don’t cover the roof itself? There’s nothing wrong with the roof, owner wants to wait a few more years.
Finding an insurance company that will insure a home with a 20-year-old roof in Florida can be challenging, but there are a few options to consider:
Talk to Local Agents: Reach out to local insurance agents who understand the market and can recommend companies that are more flexible with older roofs.
Higher Deductibles: Some insurers might agree to cover the property if you’re willing to accept a higher deductible, particularly for roof-related claims.
Specialty Insurers: Look for specialty insurers that focus on high-risk or non-standard homes. They may have different underwriting criteria.
Home Warranty: Consider discussing a home warranty for the roof separately, as this might make some insurers more comfortable offering coverage for the home itself.
Express your situation: Be upfront with potential insurers about the roof’s condition and maintenance history—if there are no issues, they may be more willing to work with you.
Check with the Florida Department of Insurance: They may have resources or recommendations for finding an insurer that will cover homes with older roofs.
It’s always a good idea to compare quotes and coverage options from multiple providers. Good luck!