Tips for Buying a Florida Home with an Old Roof
- JoeTriangleRoofing
- Sep 10
- 2 min read
It can be tough in Florida to find the right home. There aren't a lot of houses to choose from in the current market. When you find one, it will likely need some work. Many buyers are willing to do some work, but what if it needs a new roof?
Does the home you are considering have a roof over 10 years old?
Many properties in Flagler Beach, Daytona Beach, and Port Orange have older roofs. Some may even have the original roof! Before you spend money and time on an offer and home inspection, you need to find out if you can get insurance. It may not be a good idea to buy a home in Florida without consulting an insurance company first. If you do, you may be surprised and not able to get the coverage you need.
Florida law protects homeowners with legislation
Insurers cannot deny coverage solely based on roof age if under 15 years old. For roofs over 15 years, homeowners can get them certified to have at least five more years of useful life instead of requiring immediate replacement. They must allow homeowners to get an inspection to prove this. But it's still not that simple! The roof inspection may require a wind mitigation study AND a secondary water resistance layer.
Some insurance providers are not insuring older homes or writing new policies at all. What should you do?
Talk to a few insurance companies about the home.The home may be eligible for a roof certification waiver. This means you don't have to replace the roof right away.
An opinion from a reputable, professional roofer can save you thousands.
Consider buying a newer home with up-to-date construction or that has a hip roof. A hip roof is more stable in severe weather than a gable roof. Even a partial hip roof can save you money.
A metal roof will always provide more protection.
Be prepared to pay more for home insurance in Florida than you thought you would.
Be prepared to repair your roof right away if it does not need a roof replacement. Only an experienced, local roofer can determine if this is the case.
Be prepared to install a new roof right away if you buy an older property.
An ideal situation is to buy the house you love that just had a roof replacement. This will mean you have nothing to worry about for several years! If the roof has metal panels, even better. Providing the roof was properly installed and has a warranty, you will have no trouble with insurance and peace of mind when a Florida storm occurs.
Triangle Roofing Ormond Beach can help you with a roof inspection even if your home is newer. Our Father and Son team serves Volusia, Flagler and St. Johns counties. We perform leak detection and can locate potential soft spots. Contact Joe at Triangle Roofing today to get started. Call 386-673-6600 for your free quote.
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