Is a roof overlay unisurable?

Question

I am selling a house where the roof has been over-laid with shingles by the prior owners. The buyers Realtor is saying that the house is not insurable with this. Is this true? The house is in the Irving, TX area.

Wayne Brooks · Answer

Call an insurance agent

Jon Holdman · Answer

@Nick R. I've combined your posts on this topic into one and deleted the duplicate.

Nick R. · Answer

I'm selling a flip and the buyers just had their inspection. They are concerned the roof may be uninsurable. The ridge shingles were improperly installed by the previous owner and are missing in some parts. There is also two layers of shingles, which I believe should not to be an issue. If ridge shingles are missing will it be uninsurable? How much would it cost to have a roofer install ridge shingles properly? (the house is a single level, 2200 sq ft.) Below are pics from the inspection report.

Ryan M. · Answer

Our commercial insurance is to busy taking pictures of water heaters and demanding a handrails for everything, but not one has checked the layers of shingles.

Mark Ferguson · Answer

in my area you can have two, but not three. Certain insurance companies may have different policies.

Nick R. · Answer

Correct, there are two layers of shingles on the roof.

Andrew Malik · Answer

@Nick R. meaning there are 2 layers of shingles on the roof?

I don't think that is that case.  I believe there can no more than 2 layers of shingles on the roof.  A third layer would mean it fails building code.  However, I'm in NJ.  Could be in different in TX.

Is a roof overlay unisurable?

Most Popular Reply