Roof Eligibility Guidelines
At Parson Insurance Agency, we want to make sure your home is well protected. Part of that process includes reviewing your roof to confirm it meets insurance requirements. Below are the basic guidelines we follow when evaluating roof condition and materials.
Roof Condition
For your roof to qualify, it should be in good shape. That means:
- No tarps or temporary fixes.
- No missing, cracked, curling, or severely worn shingles.
- No heavy moss, staining, or rust.
- No large dead tree limbs hanging within six feet of the roof.
- Nothing that could compromise the roof’s ability to protect your home.
Roof Materials
Different roof types age differently, so insurance guidelines vary. Here’s what you need to know:
- Premium Materials (slate, clay tile, metal): These are long-lasting, but if the roof is 50+ years old, an inspection may be required.
- Architectural Shingles: If 20+ years old, an inspection may be required.
- 3-Tab Shingles: These have a shorter lifespan. Roofs 10+ years old usually require approval and possibly an inspection.
- Wood Shingles (like cedar): Often not eligible unless specially approved.
- Rolled Asphalt Roofing: Generally ineligible unless approved.
- Flat Roofs: If 10+ years old, approval and inspection may be required.
- Solar Panels: Must be installed by a certified contractor.
Why this matters: Insurance companies want to make sure your roof is reliable. A strong roof helps keep your home safe and reduces the chance of damage-related claims.
If you’re unsure whether your roof qualifies, we’re here to help. Parson Insurance Agency can walk you through the requirements and connect you with a qualified roofer if an inspection is needed.
Do you want me to also add a call-to-action section at the bottom (like “Contact us today for a free roof eligibility review”)? That could make it feel more like a polished webpage.
