What year will determine age of home?

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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: Mar 29, 2012

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Insurance Question from Cypress Gardens, LA

Asked on 03/29/2012

What year will determine age of home? House was originally built 1961 and was destroyed during hurricane...it was rebuilt from the ground up in 2006...what year is used for the age of the home?

Answer given on April 07, 2012

If your home was rebuilt from the ground up, including the foundation, then it would be considered a new build and the construction date will be 2006. You will probably receive a discount on your homeowner insurance for having a newer home.If the foundation was not replaced, but all of the utilities were new, you may receive a full discount for reconstruction, or just a discount for updated utilities. You should discuss this with your insurancea gent and see what evidence is needed to obtain the correct discounts.Different insurance companies have different requirements for the discounts they give. If you don’t like the discount you are offered, check with another insurance company to see if they have a better discount. It is always a good idea to shop around to get the most discounts available, but be sure you are getting the same insurance coverages from the companies. There are different forms with different coverages and the costs will vary.


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