Roof Replacements
You most likely have read that several insurance companies are no longer writing homeowner policies in the State of California—and in addition, other carriers will not renew some of their existing policies. The move was driven by the growing risk of catastrophes in our area, particularly wild- fires. That risk, coupled with the high cost of replacement construction has forced insurers to tighten restrictions on renewal policies.
High among the hazards for concern are wood shake roofs. Our Niguel Shores rules do not permit wood shake, asphalt or asphalt composite roofing materials. When our neighbor- hoods were built in the 1970s and early 80s, it was not uncommon construction practice to use wood shake roofing material.
Consequently, we had several hundred shake-covered homes in our 900+ unit community at one point in time. Within the last few years that number had dwindled to around 150.
Early in 2022 the NSCA informed those residents that a roof replacement would be required. This is necessary to protect ourselves collectively from the liability associated with a wildfire caused or driven by roofing material deemed hazardous by our insurer. Happily, we can report there are now less than 40 wood shake homes remaining.
Newly Approved Roof Material
As previously mentioned, construction costs have escalated and a roof replacement is expensive. With this in mind, the AC has recently accepted new roofing material with a weight rating comparable to wood to help reduce costs by eliminating the need to add reinforcement of the structure to the scope of work. Samples of the newly accepted material are located in the management office. You can schedule an appointment to review the material by contacting the Archi- tectural Manager, Karen Decker, at kdecker@niguelshores.org or calling (949) 493-0122 x 3.
—Mike Stively
Post a Comment