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Old 09-20-2010, 08:52 PM
 
14 posts, read 74,886 times
Reputation: 14

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I'm looking at buying a house with t-lock shingles, but I understand that since they're not being made anymore, some insurance companies balk at them.

Has anybody here had trouble insuring a house with t-lock shingles? The roof is in great shape otherwise.

I would love any recommendations for homeowner's insurance companies that are t-lock friendly!! Feel free to post here or PM me.

Thank you so much!
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Old 09-21-2010, 08:06 AM
 
Location: Colorado Springs
641 posts, read 1,954,356 times
Reputation: 423
You're right....T-lock shingles are pretty much obsolete, but there are tons of houses around here that have them so I don't think it would be too much of a headache to get homeowner's insurance.

I currently have T-lock shingles on my house and I use Traveler's homeowner's insurance (subsidiary of Geico) and I've never even had it come up.

I think the issue is that the insurance companies know that they're going to have to replace the obsolete shingles sooner or later, but around here, that's inevitable anyway. Especially with all the hail we get.

My boss has lived here for 25 yrs and he's had his roof replaced 5 times....for hail damage.

I'm also going to have my roof replaced because of hail damage and it wasn't a problem when the insurance adjuster inspected. He said, T-locks aren't made anymore, so we'll have to replace everything.

Roofers rarely do spot-repairs to rooves any more. If there's a hail claim, they rip everything off and replace the shingles with new. So I don't see why it would be an issue with T-lock shingles versus any other type.

Call around, compare rates.
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Old 09-21-2010, 01:37 PM
 
14 posts, read 74,886 times
Reputation: 14
Thank you! That is incredibly helpful. I'm going to get quotes from several different places, including American Family, Farmers, Travelers, and State Farm. I have car insurance through Geico, so I think going with them as an agent for my homeowner's insurance makes sense.

You've eased my mind a lot. Thank you!
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Old 09-21-2010, 06:09 PM
 
Location: Colorado Springs, CO
227 posts, read 931,839 times
Reputation: 66
I would also recommend you get a quote from Liberty Mutual. We just recently switched to them after having been insured with USAA for over a decade.
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Old 09-21-2010, 08:00 PM
 
Location: Colorado
1,706 posts, read 2,921,379 times
Reputation: 1741
When I got my house insured, they never asked what type of shingle I had, just how old the roof was.
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Old 09-22-2010, 07:49 AM
 
Location: Colorado Springs
641 posts, read 1,954,356 times
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Same here. Wasn't an issue.
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Old 09-22-2010, 09:44 PM
 
14 posts, read 74,886 times
Reputation: 14
I called around a bit, and one company said that for the t-lock shingles, if my roof had to be replaced, they'd make me pay 5 percent of the home's value. Another company said they'd only give me the cash value of the roof--which probably wouldn't be much, since it's at least 15 years old--and I'd have to pay the rest. Craziness. But I did find a local company who went out to my house the day after I called and found everything satisfactory, and they didn't have any of the above ridiculousness. I'm going with them.

Thank you for the replies! I really appreciate it.
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Old 09-23-2010, 07:13 AM
 
Location: Colorado Springs
641 posts, read 1,954,356 times
Reputation: 423
Good to hear it worked out for you and now we know a little more about it. Tks for sharing.
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Old 09-30-2010, 10:15 AM
 
Location: The Springs
1,765 posts, read 1,977,700 times
Reputation: 1821
I'm an agent. My company will write T-lock and 3-tab roofs but you will pay out the nose for them. Change to dimensional asphalt/hail resistant roofing as soon as feasible. You will save hundreds of dollars per year.
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Old 10-02-2010, 03:11 PM
 
20 posts, read 61,279 times
Reputation: 19
Wow, didn't realize Co Springs received so much hail! We will be moving there soon and looking to buy. Are there particular areas that are hit harder?
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