Age and Type of Roof and their Effect on Insurance Premiums
Nolan
Kara, thank you for joining us. Kara is with Don Bullard Insurance ( she's the president and has an office down here in Southport and two in Wilmington. And she's here today to talk to us about roofs and the various guidelines that are tightening up. I know from selling real estate, we've had a few companies that have dropped the policy because the age of the roof, or have said: we're going to charge a whole lot more than we used to because of the age or the roof. So can you fill us in on some of what has changed?
Kara
Well, you're right. The guidelines in our coastal market are definitely tightening up, so you want to be cognizant of that when you're buying a new home, perhaps rewriting a policy to a new company. It's going to depend on the company, their particular guidelines, but you always want a newer roof.
You want a newer roof! If it's 15 years and younger, that's great. If it's even more than that, that's much better. So as a buyer, you want to find out about that roof, cause insurance carrier is going to ask.
If you get into typically around a 20 year roof, it's tough. Not that you can't get it. Architectural shingle roof is better than a composite shingle roof. Metal is good too.
Nolan
What is the difference between those two, the architectural and the composite shingle roofs?
Kara
Mostly you're going to see architectural, composite is a little flatter. But you can see on the tax records, it'll say composite or architectural.
Nolan
Is that we're you guys look?
Kara
Yes, we do. We look at the tax records to get tons of information. So if somebody calls for a quote, I'm automatically pulling up the tax records, I'm looking at heated square footage. I'm looking at year bills, I'm looking at how big the garage is, I'm asking: does it have a hip roof? If it has a hip roof, you can get some wind mitigation credits. So, a number of things.
The roof is a biggie, especially right now. If you can get a newer roof, even if the home... and you may think: okay, well, the home was built in 2005, surely it's the original roof. But not so! We've had a number of storms. We've had hailstorms where somebody could have had a new roof replacement, and we've had tornadoes, not particularly here, but we've had the scares. A little bit further south we've seen the tornadoes!
So always a good question, as you're listing a home, to ask that, because that's going to give you some really good credits, if you tell me: okay, this house was built in 2005, but the roof was put on in 2019. I'm going: Great! That's great!
Now, again, not that we won't be able to place it with a company or an independent agent. We've got a ton of companies that we can write with. But our markets open up with that newer roof.
Other things that might be changing right now, depending on the company, it's going to be that wind and hail or named storm deductibles. Some of the companies are going to go from that 1% to a 2% deductible. And you're going to see that in Florida. That's the norm, the 2% is the norm on the coast.
Nolan
So if it's a named storm, it's going to be more expensive?
Kara
It could be! Some companies, again, are looking to lessen their risks. So they may do an amendment to your policy. So you may see that it's going from a 1% deductible to a 2% of that. Now there are other companies that may offer that 1%. So then maybe you want to look at shopping that around
Another thing with some companies, going back to the age of the roof, they may still write it if it's an older roof, but they may do what's called ACV, which is going to be Actual Cash Value. So, in the event of a claim, they're going to pay a depreciated value. So they're going to replace, let's say, that 15 year old roof versus replacement value, which most policies have on them - what it actually costs to replace it.
Nolan
So it could be substantial.
Kara
These are things to be looking for and things that may possibly be changing with certain companies.
Nolan
As we're insured with you, do you let the end user know, like if that policy change is happening, you would let me know?
Kara
Absolutely. So, the carrier, so the actual company that you're written with, does have to send you notification of that. So you would see that in your renewals. So don't just get that and go: oh, well my mortgage company is escrowed so I won't even look at it. Look at it! Cause it'll say in bold print, if there's any changes.
Now, also, your agent should let you know as well. We make sure that we let everybody know, especially in cases like that, where your deductible is changing significantly, or you're going from the replacement value to the actual cash value - I would want to know that!
Nolan
Me too!
Kara
I feel like we're liable, as the agent, to let you know that, too. So, you should get something from the actual company and then something from your agent. At least that's our position.
#windandhail #roof
We Have a HOUSE Without a ROOF! ????️???? | Our FIRST Home Renovation Begins in Argentina!
The house renovation in Argentina is finally back on track and the big update is that the 80-year-old roof has finally come off! This was much needed as we had A LOT of water coming in in multiple areas of the house. We're redoing both the roof and the ceiling and have opted for a wood ceiling (exposed beams and tongue and groove style in pine) with a metal roof. This home renovation is also giving us the chance to add roof insulation which is something that this house did not have - and let me tell you, it is needed because it can get cold up in the Sierras! In this renovation vlog, we'll be sharing a day-by-day chronicle of what's been unfolding on the property.
00:41 - Day 1
02:20 - Day 2
09:45 - Day 3
15:57 - Day 4
21:13 - Day 5
23:40 - Day 6
25:26 - Week 2
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Replaced RV Roof on Salem LE
Please understand that these are not DIY videos, also we shy away from giving advice because we do not know what materials each person is working with. We do not sale any products, nor do we provide quotes on social media, if you are looking for a quote please email us at contactus@rvroofinstall.com.
The TRUTH About RV Roofs + The Best RV Roof Repair Option
Get a quote for your own Flex Armor roof!
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Today we're saying goodbye to annual RV roof maintenance and revealing how RV dealerships and manufacturers aren't telling you the whole truth about RV roofs. Join us as we replace our 3-year-old RV roof with Flex Amor and see why we think every RV (no matter how old or new) should do this too.
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02:30 How RV manufacturers and dealerships are lying to you about your RV roof
03:20 Why fiberglass RV Roofs aren't damage-proof
04:10 Why we replaced our RV roof with Flex Armor
07:01 Process of getting your RV roof replaced with Flex Armor
09:10 Why we chose Flex Armor over roll-on roof replacements
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DIY RV Roof Repair: Branch Damage!
When full time RV living, it's not uncommon even when you think you're fully paying attention to run into a low hanging branch. RV rubber roof repairs will be in order. Here's how to make those changes.
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DIY RV Roof and Wall Repair - RV Restoration (S4 E19 Barefoot Travels)
In this weeks video we take you through our DIY roof repair on the RV. This is the major damage that needs to be fixed before we are able to continue with the interior cosmetic repairs.
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I Stopped Resealing My RV Roof & Did This Instead
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RV Roof Maintenance - In this episode we will show you how to stop wasting time and money on lap sealant on your travel trailer / 5th wheel / camper or any RV roof and start using Eternabond Roof Seal as a permanent solution.
UPDATE: I saw a comment that Eternabond MAY NOT BE USED TO COVER SEAMS AND SEALS and THAT IT IS ONLY MEANT FOR TEMPORARY ROOF MEMBRANE REPAIRS, because that's what they saw on the internet. That is actually *not true* at all. The following is a statement directly from the Eternabond website:
Use RoofSeal over factory roof seams one time and never do roof seam maintenance again! More than 25 high-end RV manufacturers now use EternaBond products in the manufacturing of their dream machines to ensure their customers will truly have a weather tight, leak-proof RV.
Want to check out the products shown in this video? Here they are:
✅Eternabond Tape 50' x 6
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#rvlife #eternabond #eternabondtape
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Charlie & Me make changes on The Van Build Removing Roof Air Vents
I'm Aaron and Charlie Brown is my chocolate brown cocker spaniel and together with my wife Deirdre we love camping in our HYMER 655 motorhome.
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ROOF RENOVATION vol 5 # DIYfarmRECONSTRUCTION
Day 12 and 13 was very hard, we was changing main wood on the roof. DIY was not this time because we had big help from our amazing neighbour.. 3 people work on ...
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NEVER Reseal Your RV Roof AGAIN! (Eternabond Tape VS Lap Sealant)
Eternabond Tape or self leveling lap sealant for your RV roof maintenance? RV roof maintenance is not fun so why do it each year? Applying layer after layer of lap sealant till it all needs to be stripped off and applied again. Start saving time and money with Eternabond Tape! Eternabond Tape will be a permanent solution for a waterproof tight seal on your fifth wheel, travel trailer, camper or RV! We break down why you should use Eternabond tape and the installation process in this video.
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???? Should I Repair or Replace Roof Before Selling Home?
Should I Repair or Replace Roof Before Selling Home?
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Should I Repair or Replace Roof Before Selling Home?
If your home is currently listed, or if you are working with another Realtor, please do not consider this a solicitation for business.
About:
Should you repair or replace your old or damaged roof before placing your home up for sale? Roofing work can be VERY expensive, so no wonder buyers and sellers are playing hot potato with these repairs.
There are a lot of things to consider when this work comes up during inspection or with buyer questions. In this video I will discuss the various options available at different times throughout the listing process.
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***This video is informational only, and not meant to be legal advice. Please consult your attorney, legal representative, tax consultant when applicable.***
Should I Be at Home During a Roof Replacement? | Platinum Exteriors Roofing Company: (269) 430-2013
Your roof needs to be replaced, but does that mean it's still safe for you to be in your home? For most people, the answer is a resounding yes. Many choose to stay in their house while the roof is being replaced. However, there are essential steps to consider before working on your home. Being in the house can be risky for your family and pets. The last thing you want is injuries caused by construction.
Platinum Exteriors Roofing Company
Affordable Roof Repair & Installation
17275 10 Mile Rd, Battle Creek, MI 49014
Website:
Phone: (269) 430-2013
When is the best time to replace a roof? It depends on several factors. In general, you should replace your roof when it shows signs of deterioration. This includes broken shingles or leaking. Click here to schedule a free estimate:
If you’re in need of roof repair or replacement, address the experienced professionals at Platinum Exteriors Roofing - Affordable Roof Repair & Installation. As one of Battle Creek's top roof repair companies, we can quickly solve everything from minor roof repairs to full roof replacements. We use top-quality roofing materials which will last years and protect your home from water damage and everyday wear and tear. All of our team members have extensive experience and skills to make sure the work is done right the first time.
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If you are looking for the best roofing company in Battle Creek Michigan, Platinum Exteriors Roofing is the area’s preferred roofing contractor and is here to solve your roof problem. We repair all types of roofs including metal roofing, flat roofing, and regular roofing. Contact us at (269) 430-2013 today and one of our specialists will be in touch shortly to give you a fast no-obligation quote for your home or business.
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we have changed the roof idea to 3 roofs (2 small over deck and 1 over house) finca de Bock
we are Stacey and Stefan, moving to Costa Rica to learn and grow and have the rest of our adventures in this beautiful country. We are currently building our wood home and have changed this 3D video a bit to give the home more dimension and shape.
we will be doing 3 roofs rather than one (more like a monitor barn).
follow our channel to help us learn, ask questions, give feedback or just say Hola.
we are excited for the Pura Vida!
Replaced Rv roof with 60 Mil TPO
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1800's Home Old Roof Removal - Part 1
This home from the 1800's located in Lumberton, NC is getting a new Southeastern 20 Year Hunter Green Metal Roof. Currently this home has a mixture of old cedar shingles and old standing seam metal roofing. Treadlite Roofing is working on removing the old roof and will be installing the new metal roof with Southeastern Outdoor Products' metal roofing material. Check out some of the removal process and stay tuned for the finished 20 Year Hunter Green Metal Roof! For your free roof measurement and estimate for a new roof, give us a call at 1-888-527-7678 #metal #metalroof #roofing #removingshingles #shingles #home #homeimprovement #LumbertonNC #ClintonNC
Redecked and Replaced RV Roof on 2008 Carriage Cameo
Please understand that these are not DIY videos, also we shy away from giving advice because we do not know what materials each person is working with. We do not sale any products, nor do we provide quotes on social media, if you are looking for a quote please email us at contactus@rvroofinstall.com.
First 3D Rendering (Before We Changed the Roof Color)
ROOF RENOVATION vol. 4 # DIY FARM RECONSTRUCTION in CZECH
What's up everybody .....
In this short part we will show you how we started to change and work on with the main wood construction of our roof ....
Weather in the summer 2017 in Czech Republic was a bit crazy .... and did not work with us...
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