Yeah, moisture meters can be sneaky little liars sometimes... learned that the hard way on my deck rebuild. Curious myself—do green roofs even fall under standard homeowner policies, or is that a special add-on?
"Yeah, moisture meters can be sneaky little liars sometimes..."
Haha, ain't that the truth. Mine once swore the basement drywall was bone dry—until I poked a hole and found a mini waterfall back there. As for green roofs, pretty sure they're usually considered specialty items by insurers. My neighbor had one put in, and he mentioned needing some kind of rider or extra coverage. Worth double-checking before the next storm rolls in...
I've heard similar things about green roofs, but honestly, my insurer didn't bat an eye when I mentioned mine. Maybe it depends on the company or even your location? Might be worth shopping around a bit before assuming you'll need extra coverage...
My insurer didn't care much either, but I still wonder if they'd be so chill after a big storm hits. Seems like companies are always relaxed until you actually need them, lol. I haven't had to test mine yet (knock on wood), but a buddy of mine had some pretty nasty hail damage last year. His insurance covered most of it, but he still ended up paying a couple grand out of pocket because of deductibles and stuff they wouldn't cover. So yeah, shopping around is smart advice, but I'd also make sure you read the fine print carefully—sometimes what they say upfront and what actually happens after the storm can be two different things.
Had a similar experience with my parents' place after a windstorm a couple years back. Their insurance sounded great on paper, but when shingles started flying off the roof, suddenly there were all these clauses about "depreciation" and "wear and tear." Ended up costing them way more than expected. Makes me wonder if setting aside an emergency fund specifically for storm damage might be smarter than relying solely on insurance... Has anyone tried doing that? Curious if it worked out better financially in the long run.
