repair or replace roof

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 4, 2015

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Insurance Question from Cascade, MI

Asked on 10/04/2015

repair or replace roof My roof is almost 17 years old and in decent shape say roofers except for a localized leak. I am wondering what is the general age insurers look at for when they require replacement just to insure you. I can repair for a reasonable amount but to replace is 4-5 times as much. If say 20 years is the cutoff then I am getting close and may want to replace. Thanks

Answer given on October 06, 2015

In a homeowner insurance policy, and the company writing it, there is no set time frame for a roof to be replaced. Most insurance companies do not reinspect a home regularly once the insurance is in place. If you have existing coverage on your home your carrier will not require the entire roof to be replaced due to a localized leak. If you are planning to file a claim for the leak, be sure the cost is worth the claim, as you could lose a claim free discount on your insurance policy. Take into consideration the deductible on your home too.If you are planning to shop around your homeowner insurance, the new company will come out to inspect the home before writing it. Again, if the roof is in generally good condition, they will not require that it be replaced. Since your roofer says the roof is in decent shape, you are probably ok.

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