Roof insurability.

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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: May 25, 2012

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Insurance Question from Bartlesville, OK

Asked on 05/25/2012

Roof insurability. How much usable life must typically remain on a roof for it to be insurable?

Answer given on June 03, 2012

Each homeowner insurance company underwrites a home in its own way. There is no specific usable life of a roof that is a formula for obtaining insurance. The roof is obviously an important part of the home since damage to it can cause much greater damage inside the home and to the contents. While an insurance company will pay for sudden and accidentle damage to a roof caused by a storm or fire. It is up to the homeowner to maintain the property, including replacing the roof if it needs to be replaced.If you are having trouble finding an insurance company to write the insurance on your home due to the condition of the roof, then that should be a red flag to you that it’s time to replace the roof, rather than continuing to sop around for a company which will insure the home as it is. You may find they will deny coverage due to damages caused by a leaky roof after a claim is submitted.

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