Depends on which way the wind is blowing!
Let's Talk About Your Roof
(And Why It's Such a Big Deal Right Now) Listen, I know this might sound crazy, but we need to have a heart-to-heart about your roof. I'm seeing so many folks in our area-from Niceville to Fort Walton Beach, Shalimar to Navarre, and up to Crestview-getting caught off guard by this, and I don't want you to be next!
The Age Rule
That's Shaking Things Up Here's the deal, buddy: insurance companies in Florida don't care about anything these days. If you have a fancy metal roof, concrete tile, or even clay tile-one of those deals that's supposed to last forever and a day-they'll still say, "Nope!" if the roof is getting up there in age. Let me tell you, this really matters BIG TIME if you think you may want to sell your home.
Why Is This Happening?
(The Simple Version) Well, think of it this way: Florida weather is like that one relative that shows up uninvited and sometimes makes a mess. From hurricanes to strong sun to afternoon thunderstorms, insurance companies are getting pickier about what they'll cover.
What's a Wind Mitigation Report?
Your New Best Friend Here's the thing: Before you can insure, much less sell, your home, you'll be required to obtain something called a "wind mitigation report." That's your roof's report card. Here are some of the things it examines: The age of your roof How it is attached to the house What material it is made of How well it can resist high winds Any special features to help resist hurricane force winds
Why This Report Matters for Your Wallet
The Big Secret: How this report will save you SERIOUS money on insurance! A good report can mean hundreds or thousands of dollars in savings on your insurance bills. But here's the catch-if your roof is too old, even if it's in great shape, many insurance companies won't touch it.
What You Need to Know Right Now
1. Not even the hard roofs get a free pass any longer .
2. Insurance companies are demanding newer roofs .
3. This affects all home sales in our area .
4. Get a wind mitigation inspection-this is a MUST .
Pro Tips for Home Sellers If you're selling in our area - Okaloosa and Santa Rosa Counties,
here's what you do:
1. Get a wind mitigation report ASAP
2. Know the exact age of your roof: have the documentation ready.
3. Replace your roof if it is getting older.
4. Keep all the records of maintenance for your roof.
Just remember, I'm trying to help you avoid any surprises. The last thing you want is to be deep in a home sale and find there's an issue with the roof. Let's stay ahead of the game! Need more specific details about your situation? Just holler-that's what neighbors are for!
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