2nd Layer of Shingles and Insurance?

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Old 10-03-19, 01:05 PM
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2nd Layer of Shingles and Insurance?

An insurance agent told me over the phone this morning that if I were to put a second layer of shingles on my roof, it would limit my homeowner's insurance to only a couple of options until the roof is back down to one layer. One of my previous houses had a second layer when I bought it and I don't remember having any difficulty getting insurance, but that was many years ago and in a different part of the country. I'm in Florida, now.

Does anyone have any ideas, experience or thoughts?

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Old 10-03-19, 04:20 PM
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Many municipalities now require all roofs to be strip and only one layer is to be used. If I am correct it's firefighter safety concern.
 
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Old 10-03-19, 04:30 PM
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Pretty sure that all the insurance company cares about is that it costs 2x as much to replace a roof if there are 2 layers. And they only want the liability of paying for 1 layer. Yeah maybe your other company didn't care but that's their perrogative.

Kind like of how in many parts of the country, you can hardly find an insurance company that will insure if you have a pellet stove, wood stove or wood burning fireplace. They are drying up because of the liability.
 
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Old 10-03-19, 04:32 PM
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I'm going through the insurance/roof thing right now. No expert, but I did some research and in my area 2 layers are allowed only for asphalt shingles. I don't think my insurance guy cares.
 
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Old 10-03-19, 08:40 PM
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Update: A second insurance person has said that none of the companies he represents will cover a shingle-over. The person at the county permit office was quick with information about a 2nd layer inspection -- you only need a final, instead of twice. She also said she hadn't heard anyone say they have had difficulty with getting insurance, but two people with two different agencies have tried to discourage me by saying it's difficult or impossible.

I'd rather do a 2nd-layer, but I'll also need insurance. The person at the permit office made it seem the idea isn't unusual, didn't know why had said it and one of my previous house had two layers, though it was in a different part of the country. Guess I'll try a third agency tomorrow.

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Old 10-03-19, 09:05 PM
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We live where we get hail pretty frequently, and a 2 layer roof gets more damaged by large hail than a single layer roof. It's due to the roof being softer with all those layers, it's easier for hail to punch a hole in the shingle. Not that you get hail there, but as far as insurance goes, it's a factor for the company... and they might have to adopt nation-wide policies.

Most people want to shingle over for the simple reason that they see it as optional, they don't want to tear off... they don't see the benefit of doing it.. why do now what you can put off till later mentality.
 
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Old 10-04-19, 04:16 AM
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Your in Florida does it have something to do with hurricane. I know they changed many things to cover this.
 
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Old 10-04-19, 05:03 AM
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It could be that the second layer shingles do not seal as good to each other since they are not lying on a flat surface.
They then would be more prone to blowing off in high winds.
 
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