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Old 02-10-2008, 08:00 PM
145 posts, read 689,839 times
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Is it true that homeowner's insurance will not cover a wood shake roof? I am looking at a home in California that has a wood shake roof. Will it need to be replaced before I can insure it?
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Old 02-10-2008, 08:38 PM
Location: Out there somewhere...
38,673 posts, read 45,016,991 times
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We ripped our shake roof off when we bought and went to 30 yr asphalt shingles. The shakes were so dry and cracked, a fire hazard for sure.
I'd call the insurance agent for the home. Shake roofs are a fire hazard and many areas do not allow them anymore.
My neighbor had a dried out shake roof, lightning hit it and boom, gone.
If your insurance company does cover it, it will probably be a higher premium than asphalt or tile rooing.
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Old 02-10-2008, 08:39 PM
145 posts, read 689,839 times
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Thanks. We were thinking about offering asking price but they replace the roof. I don't really want a shake roof, but was wondering if we could get insured if we bought the house and needed some time to replace it.
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Old 02-10-2008, 08:42 PM
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Default My Agent Took Care of it for Me...

It is true that many companies will refuse to insure a home purchased with a Shake Roof... especially if the home is in what is called an "Urban Woodland Interface"

I had a 25 year history with my agent and he was able to get a waiver after the insurer sent out an inspector to make a thorough inspection, including viewing the roof from a ladder. My roof was not very old and is comprised of Premium Heavy Shake.

You best bet might be to try and piggy-back with the current insurer and agent.

It is possible to treat a Shake Roof to get a better fire rating. The treatment lasts about 5 years.

What is the condition of the roof? Can you negotiate a credit for replacement?

Just watch out in case you obtain insurance only to find it cancelled a few weeks later... it happens more than you think.
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