The Comp Over Wood Problem

Real Estate Agent with The Allen Group
A number of Oklahoma home owners in the past chose to defer the expense of replacing a roof by installing composition roof over an exist wood roof (or existing composition roof).  While this used to be acceptable with insurance companies, their policies have changed and it's no longer an acceptable practice.  The problem comes from increased damage exposure from wind and hail and increase replacement expenses.

Old, deteriorated roofs do not usually hold the nails of the new roof very well.  Wind causes the nails to loosen and back out resulting in shingles blowing off. The roof underneath is also an uneven surface allowing hail to hit hollow pockets creating areas that area easily damaged by moderate hail.  

To solve this problem, you'll want to deal with it right up front in negotiations as a home buyer.  If listing a property, you might go ahead and get estimates for a new roof and price the property accordingly or with a "roof allowance".  Most insurance companies will work with a buyer who commits to replacing a roof immediately after closing.  Occasionally, an insurance company will require the roof to be replaced prior to closing. 

Roof issues are a big deal in Oklahoma and cause quite a few transactions to fall apart.  If you can spend a little more time and effort up front in negotiations or pre-listing investigations you can save yourself a lot of headache and hassle later on during home inspections. 

All for now...Cheers!


Comments (2)

Atlanta's Home Inspector, David Lelak IHI Home Inspections
IHI Home Inspections 404-788-2581 - Canton, GA
Experience the IHI Difference

Hi Chris  - Just wanted to stop by and say welcome to Active Rain, it's a great place to be.  Great job on your first post on active rain.  I think you'll find all kinds of great information here as well as great people.  Enjoy the rain.  If you love baseball or sports here's a great group that just started.

I recommend pre inspections all the time, but it's funny more and more people are starting to understand how this benefits them instead of hurting them. 


Feb 13, 2008 03:16 AM
Keith Elliott Jr
KEIRE Realty Group - Manassas, VA
Principal Broker/Owner

Hi Chris,

Welcome to Active Rain and congrats on your first post! The opportunities to learn and network are incredible here. Best of luck to ya!


Feb 13, 2008 03:15 PM