Home Buying in Alvin>Question Details

Patrick A Tr…, Both Buyer and Seller in Alvin, TX

I bought a house and then discovered that the roof needs to be replaced for insurance qualification. Nothing noted on the inspection? What now?

Asked by Patrick A Truax, Alvin, TX Wed Mar 20, 2013

Help the community by answering this question:


You may want to speak with your agent and have them contact the inspection company. Inspection companies have E&O insurance for issues such as this. While this is no guarantee you will be victorious if you are able to somehow show that the roof was in disrepair at the time you may be able to get something from their policy.

This will probably be difficult to prove unfortunately. If you are buying a home with an old roof or an area such as where I am located and we have hail storms from time to time I always advise my clients to have at least one roofer look at the roof if it was not replaced since we had some pretty bad hail storms back in 2009.

Hope this helps.

Don Groff
REALTOR® & Mortgage Broker
Austin Real Estate Pros | 360 Lending Group
office: 512.669.5599 mobile: 512.633.4157
http://www.AustinListed.com | http://www.360LendingGroup.com
0 votes Thank Flag Link Thu Mar 21, 2013
Denise, sorry to hear about this. If you had a whole house inspection, they should have gone on the roof and if it is in bad shape made a recommendation to get a roof inspection. To answer your question what now, call your insurance ask them if they will take a 2 - 5 year roof certification, if they say YES, then call a roofer get the certification and send it to your insurance company. This will suffice for a bit. NEXT save your money for a new roof. I wish you the best.
0 votes Thank Flag Link Thu Mar 21, 2013
The insurance usually gives your guidelines on the roof before closing on the home. Did you have an Agent at the time of closing? Did you close with a Title company? If cash sale or For Sale By Owner you obtain your own insurance and do your own research on what is required. A WPI8 certification on the roof from the start makes things easier.
0 votes Thank Flag Link Thu Mar 21, 2013
Check back with the inspector and a couple of roofers.

You can also show the insurance company the inspection report.

The inspector and insurance adjuster may have different standards.

I've found if anything inspectors often fault on the side of caution....and if there is a question they see advise you to get a roof inspection from qualified roofer.
0 votes Thank Flag Link Wed Mar 20, 2013
Bruce Lynn, Real Estate Pro in Coppell, TX
The insurance company can require a roof replacement regardless of what the inspector found, but you may want to have a one or two roofers give you a written inspection of their findings too. If you then feel your inspector just missed assessing the roof, you can contact the inspector to discuss the issue.
0 votes Thank Flag Link Wed Mar 20, 2013
you were able to buy the house without insurance?
0 votes Thank Flag Link Wed Mar 20, 2013
We had insurance at the time of close. The insurer discovered a claim was made previously but the roof was not replaced.The insurer is giving 60 days to replace the roof, should this not go back on the seller? Suspecting fraud.
Flag Wed Mar 20, 2013
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