Wood shake is surely an attractive roofing material and also one that can last quite long if maintained properly, but even the roofs made from wood that has been treated for better fire resistance are considered to be high-risk structures by insurers.
Many insurers have ceased providing insurance for homes that use wood roofs and even the ones that still offer solutions for wood roofs make these special policies expensive, with high premiums and high deductibles. Finding an insurer willing to provide insurance for your wood shake roof is made even more difficult by the age restrictions implemented by many insurers. In most regions, roofers stopped installing wood shake roofs in the late 1980’s – given that the life expectancy of cedar shake roofs is around 30 years, it is probably very hard to find insurance for wood roofs nearing that age.
Reputable Panama City roofing companies suggest that the best and safest solution for the problem is to give up the special appearance and to replace the wood roof with a more modern, safer material. As a result, you will get not only a more durable roof that is more resistant to fires and other elements, but also an insurance policy with favorable conditions, such as low premiums and low deductibles.
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