Age, material, and the street view
Underwriters look at aerials. If the permit says 2019 and the photos say curling tabs, the photos win. Metal and tile often get more years than architectural shingle. Flat roofs on Doral commercials are a different conversation than a Palmetto Bay hip roof.
Replacement cost vs. actual cash value on the roof
Some forms pay the roof ACV — depreciated. After a hurricane that is a much smaller check. Paying more for replacement cost on a documented newer roof is often the whole point of shopping.
Permits, Miami-Dade code, and ordinance or law
A loss may require you to rebuild the roof to current code. Ordinance or law coverage is how some of that upgrade is paid. Unpermitted work is a claim problem and a bind problem.
After you reroof
Send the invoice, permit, and photos. We re-shop. Start a home quote either before the work (to know the target market) or after (to use the new roof). Both are valid. Silence is not.
Questions we get
Next
If this sounds like your house, get a number.
Same desk that wrote the guide. Auto and home quote online. Other lines, an advisor.
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