⏰ Action Required Before Policy Renewal

Your Roof Could Cost You THOUSANDS

NC carriers now depreciate roofs after 15 years, reducing your coverage by 5% each year. Without proper documentation, you'll pay thousands more out of pocket when you need repairs. Submit your roof documentation today to protect your full coverage.

Submit Roof Documentation → Calculate Your Cost
🚨 URGENT: Roofs 15+ years old face depreciation - losing 5% coverage yearly. A 20-year roof = only 75% coverage!

Why Your Roof Documentation Matters

North Carolina insurance carriers depreciate roofs after 15 years, costing you thousands in out-of-pocket expenses

💰 Calculate Your Potential Costs Now
💰

Pay Thousands Out of Pocket

After 15 years, depreciation kicks in at 5% per year. On a $20,000 roof claim with a 20-year-old roof, you'll pay $5,000 out of pocket due to 25% depreciation. Documentation resets this!

🌪️

Storm Damage Gets Expensive

When storm damage occurs to an older roof, depreciation dramatically reduces your payout. A $30,000 hail damage claim on a 20-year roof means you pay $7,500 due to depreciation alone.

📉

Depreciation Hits Hard

After 15 years, carriers depreciate roof coverage by 5% per year. A 20-year-old roof only receives 75% coverage, meaning you pay 25% out of pocket on any claim.

❌

Risk of Non-Renewal

Many carriers now refuse to renew policies for homes with roofs over 20 years old without inspection documentation or proof of replacement.

⏰

Tightened Guidelines

Following recent storms, NC carriers require documentation within 30 days of renewal. Missing this deadline can result in immediate cancellation.

✅

Maintain Full Coverage

Proper documentation ensures you maintain full replacement cost coverage instead of actual cash value, protecting your investment.

North Carolina Insurance Guidelines

Understanding the new requirements helps you maintain coverage and avoid surprises

Critical Age Thresholds

North Carolina insurance carriers have established strict age-based requirements for roof coverage that every homeowner must understand:

  • 0-10 Years: Full coverage with standard deductibles
  • 10-15 Years: May require inspection documentation
  • 15-20 Years: Depreciation begins, higher deductibles apply
  • 20+ Years: Risk of non-renewal or ACV-only coverage

Roof Depreciation Impact:

North Carolina insurance carriers apply strict depreciation schedules to roof claims. After your roof turns 15 years old, the coverage amount decreases by 5% each year.

Real Cost Example:

If you have a $20,000 roof damage claim with a 20-year-old roof, depreciation reduces coverage to 75%. This means insurance only pays $15,000, leaving you to pay $5,000 out of pocket - plus your deductible!

Critical Information for Homeowners

⚠️

Depreciation Schedule

After 15 years, your roof coverage decreases:

5% less per year

16-year roof = 95% coverage
18-year roof = 85% coverage
20-year roof = 75% coverage
25-year roof = 50% coverage
This means YOU pay the difference!

🚨

Renewal Deadlines

You must submit documentation:

30 days before renewal

Missing this deadline can result in immediate cancellation or forced placement in high-risk pools at 3x the premium.

✅

What Qualifies

Acceptable documentation includes:

  • Contractor invoices/receipts
  • Certificates of completion
  • Inspection reports
  • Before/after photos
  • Warranty documentation

Insurance Carrier Requirements

Each carrier has specific documentation requirements for roof coverage

Nationwide
Nationwide
Depreciation starts at 15 years
Progressive
Progressive
5% yearly after year 15
Travelers
Travelers
Strict depreciation schedule
National General
National General
Won't renew after 20 years
Alamance
Alamance
Annual inspections required
Foremost
Foremost
ACV only after 15 years

💰 Calculate Your Roof Depreciation Cost

Find out exactly how much you'll pay out of pocket based on your roof's age

🏠 Average NC Roof Replacement: $15,000 - $30,000

🧮 Roof Depreciation Calculator

See how depreciation affects your insurance payout

How it works: Roofs under 15 years receive 100% coverage. After 15 years, coverage decreases by approximately 3.33% per year (based on 30-year lifespan). This calculator shows your estimated out-of-pocket costs for a total roof replacement.

Simple 4-Step Process

Submit your documentation in minutes and protect your coverage

1

Enter Your Information

Provide your contact details and property address. Takes less than 2 minutes.

2

Add Roof Details

Tell us about your roof type, age, and any recent work completed.

3

Upload Documentation

Upload receipts, certificates, photos, or inspection reports. We accept all formats.

4

Receive Confirmation

Get instant confirmation and we'll update your carrier within 48 hours.

Submit Your Roof Documentation

Complete this form to ensure your coverage remains intact

1
Contact Info
2
Property
3
Roof Details
4
Documents

Contact Information

Please enter your full name
Please enter a valid email
Please enter a valid phone

Property Information

Please enter the property address
Please enter the city
Please select a state
Please enter ZIP code

Roof Details

Please select roof type

Upload Documentation

Upload receipts, certificates, warranties, or photos of your roof work

📁
Click to upload or drag and drop
PDF, JPG, PNG, DOC (Max 10MB per file)

Questions About Your Coverage?

Our team is here to help you understand your policy and requirements

📞 Call 336-835-1993