Do you have a wood shake shingle roof?  Are you finding it tough to get insurance coverage for hail and wind?In the state of Colorado, it used to be a trend to put wood shingles in place on roofs.  Our dry climate has proven with time to show that this may not be a great idea.Many insurance companies have begun putting Actual Cash Value on Wood Roofs in Colorado as a means to diminish their risk or exposure in the event of a loss.  In short, they don't want to be responsible for the full replacement.  It is too expensive and the roof cannot hold the hail damage.Other companies have begun Non Renewing Homes with wood shake roofs and they are also telling insurance agents that they are no longer a market for new business!Answers?  The obvious answer is the homeowner needs to replace the roof so that it can be insured for replacement value.  However, if the roof is within 10 years and has withheld the hand of time and hail, it can be placed with a few carriers that are still very competitive.If you have a wood shake shingle roof in Colorado, you need to consider moving the insurance to another carrier if your carrier is not offering replacement value.  And, before your carrier non renews your home.Call Rick Cline at All Access Insuarance for more detailswww.rickclineagency.com303-932-1700