Roofs older than 10 years, and why the loan can stall
Underwriters often will not bind a new policy on a roof older than about 10 years. A denied or partial claim makes that worse.
Age alone is a credit or a price cut, not a claim. A documented storm loss on the seller’s policy is the claim path. Do that work before closing.
Book
Inspection & Assessment. Card at booking. Default price $200.
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Questions
- Can a roof older than 10 years stop the buyer from getting a policy?
- Often yes. Underwriters rarely bind a new policy on a roof older than about 10 years, and a denied or partial claim makes that worse.
- Is an old roof an insurance claim?
- Age alone is a credit or a price cut, not a claim. A documented storm loss on the seller’s policy is the claim path.
Longer explanation: /docs/real-estate