09/23/2020
insurance companies are often reluctant or will refuse to insure homes with T-lock shingles. Unless a policy has grandfathered in the roof, this leaves the homeowner without many options. Insurance companies see T-lock shingles as a great risk. Even the most minuscule damage can result in needing to replace an entire roof due to lack of materials available. Another option that some insurance companies provide is ACV coverage on a roof. ACV stands for Actual Cash Value. In the case of T-lock shingles, the ACV won’t be much, as it will have drastically decreased over time. This not only forces the homeowner to move from T-lock roof repair to complete roof replacement, but it also leaves the homeowner paying for a majority of that replacement out-of-pocket.
