Make sure your roof decking has been updated to modern standards.
Right now, several homeowners are having issues with roofs and their insurability. I’ve been running into homes that don’t have up-to-date decking underneath the roof. An inspector told me that if a roof was replaced with an insurance claim, the decking might not have been updated to modern standards. That could cost you thousands of extra dollars.
“You might want to switch up your home insurance”
I reached out to my friend, David Stevens, an insurance agent with Farmers Insurance, for advice. He said you need to make sure you get building ordinance coverage as opposed to extended dwelling coverage. This way, if the roof is replaced, the decking underneath is covered, too. The coverage isn’t that expensive and is available on most policies.
If you’re not sure whether or not your roof decking is current, you may need to switch up your coverage a little bit. Call your insurance agent before you make any changes because each situation is going to be different, but it could come in handy.
If you have questions about this topic or anything else related to real estate, give me a call at 405-8887-3007. I look forward to hearing from you. I’m also gearing up for my holiday pie giveaway, so if you’re not registered, shoot me an email or text with your email address so I can add you to the list.
