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Nailing Down Roof Age: Finally Got My Policy Approved After a Headache

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tim_river
Posts: 10
(@tim_river)
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“Normal aging.”

That phrase gets tossed around a little too freely sometimes. I’ve seen plenty of roofs where “normal” looks suspiciously like hail impact or improper installation, but unless someone actually checks the granule loss patterns or flashing details, it’s easy for adjusters to miss. Good call on the date stamps—those can be a game changer when there’s any dispute.

About water alarms, I’ve noticed the same thing with cheaper models—humidity can trigger them, especially in crawlspaces. The smart sensors are better, but even those need to be placed carefully to avoid false alerts. Sometimes I wonder if a plain old visual inspection every few months is just as effective... but then again, not everyone’s up for crawling around the attic or basement that often.


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michaelr75
Posts: 18
(@michaelr75)
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Yeah, “normal aging” is kind of the go-to excuse when nobody wants to dig deeper. I’ve seen shingles called “aged” that were basically shredded by hail, but unless you get up there and look close, it’s easy to miss. The date stamp trick is gold—makes it a lot harder for anyone to play dumb. As for water alarms, I had one in my crawlspace that went off every time we had a humid week… ended up unplugging it because it cried wolf too much. Guess nothing really beats just poking your head in there every now and then, even if it’s a pain.


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simbagonzalez97
Posts: 9
(@simbagonzalez97)
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Yeah, those water alarms can be more trouble than they’re worth if your crawlspace is just naturally damp. I switched to a hygrometer down there—at least then I can see if the humidity’s creeping up instead of getting woken up for nothing. As for roof age, I always tell folks: snap a pic of the shingle bundle labels before tossing them. Makes insurance talks way less of a headache later.


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Posts: 6
(@sarahclark781)
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- Interesting point about the shingle bundle labels—never thought to snap a pic, but that’d save some headaches for sure.
- Curious, did your insurer actually accept those photos as proof of age?
- Ever run into issues if the bundles didn’t match what was installed?
- I’ve seen cases where folks had leftover bundles from a previous job and it confused adjusters... Wondering how strict your company was on that.


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spirituality162
Posts: 11
(@spirituality162)
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Curious, did your insurer actually accept those photos as proof of age?

Yeah, mine did. I just snapped a pic of the bundle label with the date and sent it in. No pushback, but I made sure it matched what was actually on my roof. I’ve heard stories about leftover bundles confusing things—guess it depends how picky your adjuster is. For me, they just wanted something with a clear date and brand.


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