Old roofs and new rules: Protecting your home from the top
A so-called 30-year shingle roof does not last 30 years in Florida. Asphalt shingles simply don’t last that long in the brutal Florida sun and with the nearly daily beating from rain over the six months of hurricane season. Some insurers are asking their policyholders to have an older roof inspected; they want a licensed roofer to certify the roof and give it the okay for at least another 3 years of useful life. Other insurance companies may choose to not renew a home insurance policy if a roof is approaching its 20th birthday.
Why? Because a strong roof is a home’s first line of defense. The Institute for Business & Home Safety says that getting the roof right means a home is less vulnerable to severe weather events.
If you are not sure how old your roof is, you can check with your county clerk or code enforcement officer to find out when a permit was granted for the job. No permit? That could be a problem. It might mean the job was a DIY, and you’ll want to get that roof inspected pronto – not only for insurance purposes, but for peace of mind.