Does anyone know of an insurance company in Florida that will 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 prefers to hold off on replacing it for a few more years.
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 insurance for a home with an older roof can be challenging, but there are some companies that might be willing to provide coverage, especially if the roof is in good condition. Some suggestions:
Check with Local Agents: Local insurance agents often have insights into which companies are more flexible with roof age requirements. They can help you find an insurer that aligns with your needs.
Look for Companies Specializing in High-Risk Areas: Some insurance companies specialize in high-risk markets like Florida. Companies like Citizens Property Insurance may be options to explore.
Consider Bundling: If you’re also looking for other types of insurance (like auto) from the same provider, some companies may offer better terms.
Ask About Exclusions: As you mentioned, some insurers may cover the home but exclude roof damage. Make sure you understand the coverage terms and any exclusions when evaluating options.
Get a Roof Inspection: Having a professional inspection can show that the roof is in good condition, which might help when discussing coverage with insurers.
Look for Specialty Insurers: There are companies that focus specifically on insuring older homes or older roofs. You may want to research those specialized insurers.
Remember, it may take some time to find a suitable policy, so patience and thorough research will be key. Good luck!