What constitutes an unacceptable roof in terms of home insurance?

I have a 100-year-old home and the roof is in decent condition. However, I was warned that I might not be able to get home insurance with the roof in its current state. What constitutes an unacceptable roof?

Answer
“There are no specific conditions for roofs that render them unacceptable. The acceptance of a roof depends on each home insurance company and each underwriter’s guidelines.
However, there are some common traits insurance companies look for to deem a roof unacceptable and deny a policy, such as:
  • noticeable defects
  • lack of shingles
  • shingle damage
  • loss of granular condition of the roof
  • rust on tin roofs
  • a roof older than 15 years
In this condition, the roof is a ticking time bomb in terms of claims, just like if you bought a used car warranty on a high-mileage vehicle.
If you feel your roof is up to code but your current provider is still denying your policy, it might be time to shop around. Each company has different standards and you might find a company willing to work with your home in its current condition.
If you want to leave the hard work of shopping for new insurance to someone else, try using the free Jerry app. Jerry compares rates from the top providers and will even help wit the transfer paperwork.”
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Eric Schad
Answered on Aug 12, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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