Get a property-specific insurance quote early and ask how the roof is covered. Wind and hail deductibles, exclusions, and actual-cash-value versus replacement-cost provisions can change your out-of-pocket exposure.
Review condition and coverage together
An inspector or roofer evaluates the roof; an insurer determines available coverage. Ask the seller for records of known roof work, warranties, and relevant damage or repairs.
- Confirm roof material and documented age if available.
- Ask about visible damage and prior repairs.
- Understand any inspections or repairs required for coverage.
Read the deductible in dollars
A percentage deductible can be tied to the home’s insured value rather than the repair bill. Ask your insurer to show the dollar amount for wind and hail and explain how depreciation affects a roof claim.
- Compare coverage terms alongside premiums.
- Ask about cosmetic damage and other exclusions.
- Check whether flood coverage must be purchased separately.
Resolve important questions before deadlines
An insurance issue discovered late can disrupt financing or the move. Share material findings with the lender and discuss available contractual options with Will promptly.
- Obtain written specialist estimates when needed.
- Confirm proposed repairs meet lender and insurer requirements.
- Review what documentation is needed after completed work.
Questions that come up next
Do not assume it is. Obtain your own quote and have your insurer explain the coverage and effective date for your purchase.
Flood coverage is usually a separate issue. Ask your insurer about the exact property, available policies, and any lender requirement.
Useful sources & next steps
Search the exact address and review available flood mapping with your insurer and lender.
Understand roof coverage, wind and hail exclusions, and deductibles before buying.
General real estate planning information. Your contract, property, lender, and personal situation determine the applicable requirements. Use the linked official resources and consult the relevant professional for a specific decision.