Homeowners Insurance Wont Insure New Home Purchase

Hi all,

We're newly under contract for a small, old fixer cottage. Yay! Here is the first issue (likely of many): It needs a new roof in order for any homeowners insurance provider to insure us, and thus, needs a new roof to close the deal.

However, we are planning on adding a second story to the home within 18 months, so we don't want to spend the money to add a new roof that will then get torn off when we add the second story. A few questions:

1) Can you repurpose a roof? i.e. If we replace the roof, can we pick up the newly replaced roof and use it on the second story of the house?

2) Does the entire roof have to be replaced if we add a second story, or just the pieces where the second story covers the first story?

Can anyone advise on what we should do? My train of thought right now is to just buy the cheapest roof possible to last us the next 18 months, then tear it off and start over when we add our second story (see ya later, $9K!)

Thanks in advance!


  • Sometimes insurance companies happily conclude contracts and accept money from customers, but they are in no hurry to make payments themselves. They delay the process, force them to collect papers and stand in queues during working hours, and significantly underestimate the amount of damage when assessing. It is difficult to foresee such a development of events during the conclusion of the contract, all this is not a violation of the law, and it will be more expensive to challenge the decision of the insurance company. So it's worth turning to someone else's experience and finding out in advance what its customers write about the company. And you can also compare prices for home insurance using special sites.
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