I've been getting so many questions on roofing and that's wonderful. Be sure to take quick look at your homeowner's policy this renewal period. Each carrier is doing something different. Some are forcing a higher deductible or depreciated actual cash value roofing schedules, so the depreciate the roof. I've mostly seen this starting with roofing over 10 years in age. This is the new norm. I'm sure to note with my client hey, you need to know your roofing is on a depreciated roofing schedule with so and so and it is depreciated 38% as we sit. Insurance companies will be paying less on hail / wind damage related claims with higher deductibles and roofing with depreciated roofing settlement for roofing over 10 years old. If your agent isn't talking with you about this, you call them and have one. It's important to know and be prepared for now, not later.
Heather Harris
I’m Heather Gibson Harris, owner of Brookson Insurance, which I started in 2009 after a career as a claims adjuster for personal home and commercial insureds. My career has been my passion for many years, especially my time in catastrophe claim work.