I have exactly the same problem. This year when my son purchased his first home the outfit we'd been with for 16 years, American Family, wouldn't insurance his place because it had a fuse box instead of breakers.Ed in Tampa wrote:My insurance company and me are at war.
They insist I must replace my roof or they will not renew my insurance. Last year they insisted I have a roof inspection and the inspection said my roof was in good shape and had 4-6 years of life.
Now Insurance company is saying the inspection was last year so now my roof on has only 3 years and they don't insure houses with roofs that only have 3 years of life.
What a crock.
Checked with other companies and they won't write a policy on a house with a roof older than 15years. I asked about 30 year roofs and they said tuff they won't insure an over 15.
Anyone heard of such craziness. They want to replace a perfectly good roof. No leaks, not missing shingles, general condition is good or better.
I think the roof is good for 10 more years or better.
It was 20-25 year roof put on 20 years ago.
So now that my homeowners policy (and cars) are due for renewal - I decided to shop around. My roof is 20 years old and in good shape but I had two places who refused to write a policy because of the age. And one who wouldn't insure it because I have a wood burning stove and can't prove it was professionally installed.
I have 3 quotes on my desk that I need to go over.