am-i-covereda series by Mountain Lakes Insurance

“Am I covered … My roof is less than 30-years-old, so I don’t have replacement cost coverage concerns, right?”

The age of your home’s roof affects replacement cost coverage. You should know that many companies are now changing age-of-roof requirements. In some cases…

… a roof over 15- or 20-years-old may no longer qualify for replacement cost coverage. This means that if your roof is over the age limit and it incurs damage that requires replacement, your coverage is reduced to the depreciated value of the roof and not the full replacement cost value of the roof.

Mountain Lakes Insurance always recommends and encourages our insureds to check with us first when it comes to what is or is not covered.  Our experienced agents can provide answers to most questions right away or we will quickly check with our underwriters or claims partners if we’re not sure. Don’t wait until after the accident to make sure you are covered. Give MLI a call today at 770-926-9444 or contact us here.


Information contained in this article is based primarily on the author’s knowledge and experience and also includes content derived from other expert sources including Insurance Information Institute, IIAG/Trusted Choice, and some of the companies that we represent such as Safeco Insurance Co., The Hartford, Travelers Insurance Co., Auto-Owners Insurance Co., Grange Insurance, Progressive Insurance, Foremost Insurance, American Strategic Insurance (ASI), Encompass Insurance, Hagerty Collector Car Insurance.