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T-Lock Roof a No Go with Some Insurers

"If you had a policy that you wrote with full replacement cost you’re going to continue to have full replacement cost on your shingles." - State Farm Agent Michael Lougee 

Many construction companies think a t-lock shingle is the number one high wind and thunderstorm shingle and better suited for regions like Wyoming, where we experience higher-than-average wind speeds. Many roofs in the Casper area were built using just that; the only problem: they were discontinued back in the mid 2000’s.

State Farm Agent Michael Lougee says, "When there's damage done to a roof that has the t-lock shingle we can't just buy a couple of shingles to make the roof like it did before. We have to completely total the roof and replace it.”

This leaves some with a Wyoming Community Development Authority home loan, which requires proof of home insurance, in a little bit of a bind. Executive Director for the Wyoming Community Development Authority Cheryl Gillum says, "We also request that the policy have what's called replacement cost coverage," which makes it difficult for homeowners who may have a t-lock roof. "You can't get that because you have an obsolete roof with your insurance company you’re not going to get the entire amount of money to replace the whole roof and you're not going to get that type of coverage," Lougee said.

However, for some that doesn’t mean you’re going to have to fully replace your roof; if you have existing insurance with “replacement cost” than you should be in the clear. "If you had a policy that you wrote with full replacement cost you’re going to continue to have full replacement cost on your shingles," Lougee said.

Although, if you have the term “actual cost value” or “non-replacement cost” the insurance company will take the depreciated value of your roof; and the best thing you can do is to contact your insurance provider to figure out a plan. "Just talk to them, explain the situation. Have them investigate options for them because like I said everyone's going to have an individual situation," Lougee said.

If you’re in Wyoming and are looking for a house, the best thing you can do before you purchase that house is your research. "Homeowners need to make sure that they're educated on their homeowner’s insurance policy and what it covers, especially when it comes to roofs," Gillum said.


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