Most homeowners in Muskogee can tell you when they last put a new roof on their house. But not all of them can tell you how their home insurance policy covers it after it hits a certain age. At D & E Insurance Agency, we see homeowners getting caught off guard after their roof is damaged from a severe hailstorm. <\/p>\n
Here in Eastern Oklahoma, springtime hailstorms and straight winds blow through on the regular. Hell pulls granules off your shingles even if it’s not enough damage to cause a leak. But this is the kind of wear and tear that adds up over time. And if your roof is older, it really takes a beating.<\/p>\n
The Oklahoma Supreme Court ruled in 2002 that the age of a roof and the condition it’s in can count as relevant evidence. And the Oklahoma Insurance Department makes it clear that an aging roof will only qualify for its cash value. A newer one can still have full replacement coverage. Now, a lot of insurance carriers schedule roof inspections by age. <\/p>\n
In the Founders Place area, you’ll see homes that were built before Oklahoma even became a state. They have features like steep pitches and dormers that you don’t see in a lot of modern homes.<\/p>\n
The roofs on these houses get replaced on their own timeline. If a house in Muskogee was built in 1912 but has new shingles that were nailed down five years ago, your home insurance policy focuses on the shingles.<\/p>\n
The age of your roof is one of the most overlooked sections in a home insurance policy. But it could be the one thing that decides how your claim goes. Get in touch with D & E Insurance Agency to go over your policy with you so you can be sure exactly what you’ve got.<\/p>\n","protected":false},"excerpt":{"rendered":"
Most homeowners in Muskogee can tell you when they last put a new roof on their house. But not all of them can tell you how their home insurance policy covers it after it hits a certain age. At D & E Insurance Agency, we see homeowners getting caught off guard after their roof is […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[7,26,22,23,24],"class_list":["post-145","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-d-e-insurance-agency","tag-home","tag-insurance","tag-muskogee","tag-ok"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t