Did you know that an insurance company may refuse to insure you in Orlando if your roof is over ten years old? What would you do if your roof suffered damage and you had no insurance in place to cover the cost? Maintaining the upkeep of an Orlando roof is vital to restore full insurance coverage for your home.
Home Insurance in Orlando
Gaining home insurance in Orlando has become increasingly problematic over recent years. Across the state of Florida, insurance companies are refusing to insure homes based on the status of the roof. Quite simply, if the roof of your home is over ten years old, you may struggle to secure insurance. Why are insurance companies refusing insurance to homeowners? Remember:
If the insurance company has assessed that a high risk is present, they may choose NOT to provide cover.
High Risk Orlando Roofs
Why are Orlando roofs considered to be high-risk for insurance companies?
Orlando’s Extreme Climate
The recent spate of insurance companies refusing to insure homes across Florida is partly due to the subtropical climate. Orlando roofs are considered to be a high risk for insurance companies because of the effects of the storm season. Increased damage is common for Orlando roofs due to torrential rainfall, hurricanes, and thunderstorms, repelling insurance companies.
Common Roofing Materials Used
Further Orlando roofing problems are caused by the common use of asphalt shingles. Asphalt shingles are an Orlando roofing material of choice due to their low cost and quick installation. However, asphalt shingles will generally only last for around 15 years in the Orlando climate. An insurance provider will determine that roof damage is likely to be caused on such roofs ten years after installation.
Secure Your Roofing Insurance
To prove to insurance companies that your roof is not at a severely high risk of damage, you must maintain its upkeep. Contact your local Orlando roofing experts to provide regular investigations of your roof, repairing any minor issues immediately. Such investigations are important to prevent a small issue from becoming a significant problem.
Honestly, the quickest answer is no! It is a very bad idea to try to replace your roof yourself for several reasons:
You may be committing a first-degree misdemeanor! Across the state of Florida, you must be a licensed professional if you are completing a roof replacement. Replacing your roof without obtaining a license will result in various penalties, including one year in jail! Perhaps you should give the roofers a call instead?!
Your insurance company may want to see evidence of any roofing work completed on your home. Your roofing contractor will give you a workmanship warranty, and a warranty for materials. This is the perfect evidence to show your insurer. Without such evidence, you may not be able to insure your home.
Replacing your own roof is not as easy as it looks and requires specific training, knowledge, and equipment. Completing a roof replacement yourself may result in greater damage being caused to your roof. This may increase the long-term costs to repair the damage to your roof.
Working on a roof is dangerous! Specialist roofers have been trained to work safely at a height and know exactly what they should do. They also know what they should not do when working on a roof! Expert professionals also have all necessary safety equipment and insurance in case an employee is injured during the roof replacement.
Contact Us Today!
If you have been denied home insurance because of the age of your roof, contact us today! We will provide you with a FREE estimate for a roof replacement, enabling your home to become insurable once again.
Simply call (407) 559-3536 or email [email protected] and receive your estimated quote straight away! Alternatively, you can complete the online form on our website, fill in your details and we will contact you! We can solve any of your roofing dilemmas, enabling you to acquire insurance for your home.