Have you all noticed a change in policy at our favorite underwriter?
In recent weeks I have had several calls to do a re-inspection on a roof I inspected last year. It seems that the life expectancy of the roofs in question was stated at 4-6 years. Now we know that they will opt for the 4 year expectancy, but they now have a new twist -
Since a year has gone by you would think that the roof now has a life expectancy of 3-5 years (Three in the eyes of the clerical giants), and thereby meets the requirement for a minimum of 3 years life. - Easy math, right?
Not so fast my friends!!! Since the roof inspection was performed in April 2012 and the policy renews in June - that is less than the necessary 3 years and hence a roof replacement or updated inspection or is needed. So theoretically if you do an inspection today, based on a non-renewal letter and state the life expectancy of 3 years for a policy renewing in July - they will be denied coverage!
Now I don’t know about you guys, but I have never had much luck finding the expiration date on the shingles, but do you suppose we should be putting more exact figures on our reports? Say…3 years, 2 months and 23 days…