Why Alabama Roofs Die at 15 Years – And Insurance Knows It
Hail + heat + humidity = 15-year shingle life. Carriers know.
What Happens at Renewal:
- Roof >15 yrs = ACV payout, not replacement cost. $18K roof = $6K check.
- No wind mitigation = 20% higher premium.
- No 4-point inspection = non-renewal letter.
Romans 13:8 — “Owe no man any thing” — but if storm hits, you’ll owe roofer.
Free Home Review: I’ll show you 3 things to fix before your next renewal.
Primerica does not sell home insurance directly. We refer through Answer Financial.