Roof Inspection for Insurance purposes

It will be very tough getting a letter.

If the roof is 20 years old most roofers will find a reason to replace it. Remember that "lifetime" shingles only last 25 years.
Even if the roof is fine the roofer will not want the liability of putting it in writing.

I'm sure the insurance company knows this and the low rate is just to lure you in.

and if your roof leaks, the insurance could deny coverage for other items (drywall damage, house items damage etc). i went through this myself and i ended up just getting the roof replaced and giving the invoice to the insurance.

^ I do not mind if I have to replace the roof. I knew when I bought the house that I will need to replace the roof in near future.
My decision choice is - should I accept $600 less as annual premium, accept the fact that Johnson will put Roof off the coverage, do my research and get roof replaced and then get roof put back on the coverage and enjoy less premiums year over year.

or - Pay $600 more as premium for first year with SGI Canada and not have to bother with roof inspection and roof being out of the coverage at this time (new home owner, already lots of pressure) but I have not read the fine print. Perhaps in this higher quote SGI policy fine details, majority of the roof is already out of coverage due to age. If roof is covered, I am paying $600 extra for the first year and then make roof changes as per my convenience and once roof is replaced, switch to Johnson. Risk is - Johnson's reduced rate might not be available after one year, who knows...

Asker123 wrote: ↑ ^ I do not mind if I have to replace the roof. I knew when I bought the house that I will need to replace the roof in near future.
My decision choice is - should I accept $600 less as annual premium, accept the fact that Johnson will put Roof off the coverage, do my research and get roof replaced and then get roof put back on the coverage and enjoy less premiums year over year.

or - Pay $600 more as premium for first year with SGI Canada and not have to bother with roof inspection and roof being out of the coverage at this time (new home owner, already lots of pressure) but I have not read the fine print. Perhaps in this higher quote SGI policy fine details, majority of the roof is already out of coverage due to age. If roof is covered, I am paying $600 extra for the first year and then make roof changes as per my convenience and once roof is replaced, switch to Johnson. Risk is - Johnson's reduced rate might not be available after one year, who knows...

you need to ask the insurance this question. roof damage leads to other problem, would they still cover you for other items if issues comes due to condition of the roof?

^ you mean I should confirm with Johnson that when they are mentioning that they can put roof off the coverage (if the inspection saying that roof requires repair and I do not fix it right away) , will they cover any other damage caused by roof problems.... fair point...

Do you or anyone sees merit in just going with SGI Canada with $600 more annual premium. I specifically asked the broker about my roof being 20 years old and is everything covered etc, he said that they usually bother after 25 years so 20 years should be good and its all baked in the quote...

I suggest online only insurers like Sonnet or SquareOne.

Asker123 wrote: ↑ ^ you mean I should confirm with Johnson that when they are mentioning that they can put roof off the coverage (if the inspection saying that roof requires repair and I do not fix it right away) , will they cover any other damage caused by roof problems.... fair point...

Do you or anyone sees merit in just going with SGI Canada with $600 more annual premium. I specifically asked the broker about my roof being 20 years old and is everything covered etc, he said that they usually bother after 25 years so 20 years should be good and its all baked in the quote...

masarwar wrote: ↑ and if your roof leaks, the insurance could deny coverage for other items (drywall damage, house items damage etc). i went through this myself and i ended up just getting the roof replaced and giving the invoice to the insurance.

Your insurance co paid for your roof replacement without a claim? Hmm, that seems unlikely.

Furcorn wrote: ↑ Your insurance co paid for your roof replacement without a claim? Hmm, that seems unlikely.

No. They added roof coverage after I showed them the invoice the roof was done. The house roof was at end of life.

Can you guys suggest which Quote is better ? Remember Johnson is asking me to do a roof inspection which will cost be $150 and if results come negative, I must replace the roof if I want to keep roof coverage. SGI no roof inspection etc mentioned.

Do as the above statement, a couple of online quotes. Sonnet’s rates are good

Have you had the property inspected as part of the purchase? - what did that report say?, if it needs replacing then get it done, even if the other insurance companies are not specifically asking for the roof to be inspected prior to coverage it does not mean that you will be covered for any issues relating to the shingles needing to be replaced if they are 20 years old.

^ I am going to get the roof done. It is going to be my home for decades to come so I need to fix the roof. period. Its just that I do not want to tie up to Insurance right away. Johnson is sort of forcing me to get roof inspection within 30 days of possession and if it does not pass, I will be rushed to fix it otherwise they will put a restriction on my policy about the coverage. You guys know that being new owner, there are several things already stressful, I do not want to add this as soon as I move in.
Secondly, getting things done at your own pace gives you more control . You can assess things better, take more opinions etc and I want to do all that within the first year of ownership. I will be moving in first week of Sep. so either in whatever time left in the fall or in the next spring I am going to get the roof fixed. Just do not want to tie this to insurance inspection and that 30 days etc.

The other company SGI has not put any restriction on roof. Broker told me that normally they bother after 25 years of age ( I will reconfirm) . This buys me some time to work my own pace and peace. I will be paying 500$ per year extra in premium if I go with SGI.

Another thought come to my mind is that I should take SGI now - that is extra $500 in first year . If I go with Johnson , I would have paid $150 for roof inspection even if report came good. So essentially I will be paying $350 more by going with SGI. Then in first year I I get the roof fixed and switch to Johnson at the time of next renewal. Any merit in this?
Do I risk losing on good rate Johnson is giving me now. Nobody is giving me $1200 for a similar coverage. SGI is nearest which is $1700