Commercial property insurers increasingly evaluate roof:
- Age
- Material
- Condition
- Updates
- Maintenance
- Previous losses
Insurance companies may request:
- Roof invoices
- Inspection reports
- Photos
- Contractor documentation
- Proof of replacement
Older roofs may result in:
- Higher premiums
- Larger deductibles
- Actual Cash Value settlement
- Roof exclusions
- Coverage restrictions
- Declination
Keep documentation whenever a roof is replaced.