Roof Layers: Three layers of roof shingles too many for an insurance company

Submitted By
Tom Kraeutler
Answers
1 expert, 0 community
Q:

I was told by my insurance company that they don’t cover a roof that has three layers of roof shingles on it, so I’ve gone to another carrier for an estimate. This other carrier would charge me quite a bit because I’d only have homeowners insurance with them and they’re supposedly the only ones who will deal with me concerning the roof. Can you tell me if this is accurate? I’m on a fixed income and can’t afford to replace any of the roof at this time.