May 12, 2017
Make sure roof on new house can be insured
If you’re buying an existing home, AmeriSpec Omaha and Lincoln home inspectors recommend that you pay close attention to the style, age (if known) and condition of the roof before you close on the house.
Insuring existing roofs is becoming more challenging. Why? Because insurance companies believe that the single most important component of the house is the roof.
“The roof is the first layer that wind, hail, wildfire and other hazards really begin to act on,” says Tim Reinhold, chief engineer at the Insurance Institute for Business and Home Safety, an independent, nonprofit research organization based in Tampa, Fla. “In more than 90 percent of hail or high-wind claims, there is a payout relative to the roof cover.”
Because insurers have a vested interest in your roof, they price your home insurance accordingly, based on the soundness of its construction and what it will cost them to replace it, according to Bankrate.com.
Since the roof has become such an important factor in the successful sale of a home, AmeriSpec Omaha and Lincoln inspectors recommend that you ask your home inspection professional these questions:
- Is there significant granular loss (for asphalt shingles)?
- Are there any broken/torn/missing shingles/shakes?
- Do the soft metals (exhaust flue cap, valley flashings, roof vents, etc.) show signs of hail damage?
If you have questions or would like a roof inspection before listing your home for sale, call AmeriSpec at 402-393-3696 in Omaha or 402-483-2010 in Lincoln.