As she is on a fixed income is there any assistance she can recieve to help her replace the roof. After having a reptiable contractor look at it , he agreed the roof has moss on it and the shingles are curling. The current shingles are 25 years old. They only had a life expectency of 20 years. Thank you.
wendylee, moss on a roof isn't that much of a big deal, it can be remove by a vendor with soap and water [do not use bleach]. I have moss on my roof... with climate change, it is happening to most of the homes in my neighborhood, whether the roof is 25 years old or 5 years old. One will see these streak lines coming down on the north side of the roofs, it's a fungus.
As freqflier said, are there other problems looming ahead for mom on the house? The homes of the elderly so often have decades of deferred maintenance. Could mom's house pass city code inspection tomorrow?
What does the letter from the insurance company state? Repair or replace? What happens if she doesn't as far as this carrier is concerned? Could mom get another cheaper policy from another company, perhaps with a higher deductible, without having to do an entire new roof?
After fixing the roof, the next thing could be the furnace needs replacing, or a pipe is leaking in the bathroom, or the house needs new windows, all of which are major expenses.
The home could be sold *as is* and an investor could scoop it up to flip.