How To Appraisal A Roof

Replacing a roof falls into the realm of preventative maintenance.

How to appraisal a roof.

When this happens the insured has the right to invoke the insurance appraisal process. How to appraise a roof condition. Appraisal is a clause within most homeowner s insurance policies that allows a process to settle disputes. I don t know any appraisers that open the window and climb out to the roof but they ll assume that a roof has a 20 year life.

All roofs contain of two parts the sheathing deck and the protective roofing surface that covers it. Once the roof fails to protect a home from water damage repair costs can mount to include interior damage. The disputes may be about damage to buildings or property in this example about hail roof damage. Age of roof they say the roof has to be in good condition says veteran appraiser charles argianas president and founder of argianas associates.

It s the appraisal clause sometimes referred to as the appraisal provision. Let s say that a home is damaged by a hailstorm. The appraisal provision allows the policyholder to hire an independent appraiser to determine the value of their damages. The appraisal process as it applies to hail and wind damage to roofs typically begins after the original adjuster has rendered a decision that the homeowner does not agree with.

A roof replacement is expensive so make sure you really do need a new roof. According to mack strickland an appraiser in chester virginia a home that demonstrates a lack of preventative maintenance can lose 10 percent of its value. During a roof appraisal both parts are inspected for. According to the zillow group consumer housing trends report 2018 18 of sellers reported replacing or repairing their roof before selling.