I need a new roof. I got two quotes, one just over 13k and one just over 16k.
My wifes uncle came over and said if I buy materials we'll do it over a weekend. No tear off, just laying new shingles as there is only one layer. Basically I'm the labor and he'll tell me what to do.
I mentioned it to a friend who was concerned about insurance. After a brief, albeit confusing Google search, I'm landing here.
How would I inform the insurance company of the new roof? receipt of materials? photos of before and after? apply for a permit in my own name?
Just wing it?
I'm okay with any of these options
Advice for roof replacement?
byu/Critical_Opening_526 inInsurance
Posted by Critical_Opening_526
3 Comments
Did the insurance company tell you, that you had to get a new roof, or they would not renew you?
Does your city require a permit, and with the work that you’re doing comply with their codes. Do they allow two layers.
Will your insurance company accept before and after pictures, and receipts for the materials, as proof the roof was replaced?
If you have a claim, generally your carrier will require the work to be completed by a licensed roofer.
If you’re just putting on a new roof for the heck of it, you just need to make sure your carrier doesn’t have an issue with layering the shingles.
If your carrier is telling you that you need a roof to avoid a non-renewal, we may be back at the requirement for the work to be completed by a licensed roofer. Depends on the carrier and what sort of documentation the underwriters are requiring.
I would only use a licensed contractor for that and you will have to anyway for a permit