A House Without a Roof
I have an agent partner who was helping some clients on a purchase this week.
我有一位代理合作伙伴本周正在帮助一些客户进行购买。
I am a consultant for the clients and the agent as well.
我也是客户和代理人的顾问。
Inspection was completed and overall, the house was good, except that darn roof.
检查已完成，总的来说，房子很好，除了屋顶有点破旧。
It’s a 3 tab shingle roof and 24+ years old.
这是一个 3 片木瓦屋顶，已有 24 年以上的历史。
That baby is ready for replacement.
那个婴儿已经准备好更换了。
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感谢您阅读《诚实的经纪人》！
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I told them to go get insurance quotes right away.
我告诉他们立即去获取保险报价。
We want them to know exactly how much the premiums would cost with that old roof and what the policy would cover.
我们希望他们确切地知道旧屋顶的保费是多少，以及保单涵盖的范围。
Well, the insurance company agreed - roof was ready for replacement - and they were going to have no part in it.
好吧，保险公司同意了——屋顶已经准备好更换了——他们不会参与其中。
Given the rise in storm damage claims over the past decade (primarily in the upper midwest)…insurance companies are cracking down.
鉴于过去十年风暴损失索赔的增加（主要是在中西部北部）……保险公司正在严厉打击。
If you have an old roof, it’s no longer their problem.
如果你的屋顶旧了，那就不再是他们的问题了。
Similar to windows, doors, siding, etc - if it needs replacing, it’s on you.
与窗户、门、壁板等类似 - 如果需要更换，则由您负责。
Even if it’s newer, but older than 10 years, your premiums will close to double .
即使它是新的，但超过 10 年，您的保费也会接近两倍。
This is becoming the new norm and will place an incredible new burden, or at least a factor for consideration, on homeowners.
这正在成为新的常态，并将给房主带来令人难以置信的新负担，或者至少是一个需要考虑的因素。
Understanding the replacement cost for a roof (and possibly the decking underneath it) will be critical as people purchase new properties or even as they live in a home for longer.
Understanding the replacement cost for a roof (and possibly the decking underneath it) will be critical as people purchase new properties or even as they live in a home for longer.
These purchasers had to factor in an additional $18k for roof replacement to get adequate insurance on the house.
这些购买者必须额外支付 18,000 美元的屋顶更换费用，才能为房屋获得足够的保险。
We were able to get this information during the inspection period where they could negotiate or walk away rather than finding out a few weeks before closing as they were finalizing insurance quotes.
We were able to get this information during the inspection period where they could negotiate or walk away rather than finding out a few weeks before closing as they were finalizing insurance quotes.
Don’t get caught with a house with no roof.
不要陷入没有屋顶的房子。
Discover the power & peace of mind of a real estate consultant no matter where you are in your home ownership life.
无论您处于置业生活的哪个阶段，都可以发现房地产顾问的力量和安心。
Thanks for reading The Honest Broker!
感谢您阅读《诚实的经纪人》！
Subscribe for free to receive new posts and support my work.
免费订阅以接收新帖子并支持我的工作。