Buyer - The Sellers have two layers of roofing (one shake shingles and the other asphalt composite), and have never heard of this. Is this legal? How will this affect my homeowner's insurance? Will this be an issue for us down the road? The Seller says she had no problem obtaining insurance.
You will sometimes find two layers of shingles on a roof, however, today's code says there can be only one layer in Denver. The next time there are repairs made, the roof must be torn off, and one layer installed. Having two different types of roofing is a different situation. I definitely recommend calling your insurance agent, as this is a different situation.
Upon calling different insurance companies - new homeowners can obtain a policy excluding the roof, or obtain a writer for just the roof. This is fairly expensive.
Just because the Seller has insurance currently, does not mean insurance companies can do the same thing today. Always best to call around and be sure you are aware of what you are getting into by accepting these issues.
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