Are Insurance Carriers in Colorado placing coverage on Wood Shake Shingle Roofs? It is becoming increasingly more difficult to find an insurance company to write a policy on a Wood Roof.  The reason is that the wood composition in our dry climate is not sustainable.  So, if an insurance company has some hail damage on the roof, it is hard to repair so they spend more to replace.Over time, each insurance company is going to implement tougher underwriting guidelines so replacing the wood roof sooner rather then later may not be a bad idea.Many insurance companies have implemented a couple of off setting costs to the client. 

1. Depreciated or Actual Cash Value instead of replacement on wood roofs
2. % deductible on Wood roofs.  Meaning that if you have a 2% wind/hail deductible and your home is insured for $200k, your deductible on your wood roof would be $4k
3. Non renewals
4. Increased rates
5. Inspection-repair required to renew

 So what is the solution?  Work with an independent insurance agent.  One that has multiple options.  Have them search for replacement value for your wood roof with a set deductible, not a percentageSafeco Insurance, Electric Insurance and Metlife are three that we use here at All Access Insurance.For quotes, please give us a callRick Cline: Agency owner