美国这木头房子的窗户不到30年就要换

[英亲王]

你比保险公司还牛逼。

几把保险公司啊

装的跟真的似的

[noid2]

这是保险公司给我说的， 我问为啥今年要涨15%的保险， 他们说我的房子已经11年了，快到换roof时间。明确的说美国single house 更换roof的时间是12年。

那是保险公司想敲竹杠涨价

[英亲王]

那是保险公司想敲竹杠涨价

你看他说的英文 还“single house” 笑掉大牙

[firecloud]

现在很多保险公司要求屋顶不超过15年了，真变态

[laoxing111]

几把保险公司啊

装的跟真的似的

操， 尼丫在美国住地下室的吧。 好多15年的roof都不会给你保险，要么价钱就是翻倍。

The Benefits of Replacing a 10 Year Old Roof
Joseph Elshazly
May 26, 2022

Resale Value & ROI
Let’s say that you’re looking to sell your home and you really want it to stand out to potential buyers, but you’re worried that any home improvement investment you make won’t achieve the desired goal. Well then, you’re in luck! Replacing your ten-year old roof with a brand new roof can be a major selling point for prospective buyers while simultaneously increasing appraisal value, hitting two birds with one stone.

A new roof typically costs between $5,000 and $31,000 (depending on the size of the roof), or around $5.00 to $9.00 per square foot. According to a survey conducted by Remodeling Magazine, you can generally expect to recover approximately 60 percent of the cost of installation through an increase in home and appraisal values.

Purchasing a new roof can also ensure that the value of your home doesn’t decrease unexpectedly in the future and remains a valued asset. According to Remodeling Magazine, a new roof can increase the worth of your home by around $12,000. Whereas, neglecting to install a roof in a timely manner can result in structural damage, potential safety risks, reduction in curb appeal and ultimately lower home appraisal values.

Insurance
One of the most dreaded events for a homeowner to experience is an extreme weather event and the potential damage to your home left in its wake. Damage to your roof as a consequence of extreme weather events (deemed as “acts of God”) are typically covered by homeowners’ insurance if the roof was replaced under a twenty-year period since the last installment – but there are exceptions.

If your roof under the age of 20 suffers from major damage such as sagging or bald spots (an area of your roof devoid of shingles), your insurer may reduce coverage, or even deny it altogether, regardless of your roof being less than twenty years old. Although you should be informed by your insurer in the case of any lapse of coverage, it’s best to be proactive in the maintenance and replacement of your roof to avoid any potential complications down the road.

Insurers may also automatically assume there is structural damage “under the hood”, otherwise known as the roof deck, if your roof is 20 years old or more, and won’t cover damages from leaking if there is assumed negligence on the part of the homeowner.