T-lock shingles were a popular option for your roof 12+ years ago. A T-lock roof is intertwined to make a “T” shape (displayed in the picture). The shingles were designed to withstand high wind gusts. The problem is that these shingles were discontinued in the mid-2000’s. Here’s what you need to know about T-lock shingles insurance
It is tough to get proper home insurance coverage if your home has the T-lock shingle. The insurance company cannot simply replace a handful of shingles if a small portion of your roof is damaged. Most reputable insurance companies will not insure these homes and if they do, generally, it is with a higher deductible or actual cash value coverage. Actual cash value coverage means that there will be a depreciated value for your roof so you have a higher out-of-pocket obligation.
If you are buying a home with T-lock shingles, you might consider making the seller replace the roof as part of the closing terms. If you have a T-lock roof on your home now, check to make sure your current home insurance policy is replacement cost. You will likely want to keep that existing policy until you get a new roof. Many existing policies will have the replacement cost “grandfathered” into the policy. If you are shopping for insurance and have a T-lock roof, make sure the insurance agent and insurance company know the type of roof on your house.
Feel free to contact us if you have any questions about insuring T-lock shingles or finding a reputable replacement. The only option that Denver Insurance LLC has currently would be to exclude coverage for the roof if your home has T-lock shingles.
Or spend 2-minutes to fill-out this quick quote homeowners insurance form
