Much of Englewood’s housing was built in the decades after World War II, from brick ranches and bungalows near downtown to split-levels farther south. Those homes have character, but insurers look closely at their age, and especially at the age of the roof.
Why Roof Age Matters So Much in Colorado
Hail is the most common cause of large home insurance claims along the Front Range. An older roof is more likely to be damaged and more expensive to replace. As a result, many carriers:
- Charge more, or decline to write, homes with roofs older than about 15 to 20 years
- Pay older roofs at actual cash value, which subtracts depreciation, instead of full replacement cost
- Offer discounts for new or Class 4 impact-resistant roofs
Other Updates Insurers Ask About
- Electrical: knob-and-tube wiring or older fuse panels can limit carrier options.
- Plumbing: galvanized steel or polybutylene pipes increase water damage risk.
- Heating: the age and type of furnace or boiler.
- Sewer line: many older Englewood homes still have clay sewer lines that can crack or fill with tree roots.
Coverages to Consider for Older Homes
- Water backup coverage for sewer or drain backups into a basement, which standard policies usually exclude
- Service line coverage for the buried water and sewer lines you own between the street and your house
- Ordinance or law coverage to pay for code upgrades required when you rebuild or repair
- Extended replacement cost in case rebuilding costs exceed your dwelling limit
Keep Records of Your Updates
Save permits and receipts for any roof, electrical, plumbing, or HVAC work, and tell your agent about them. Documented updates can open up more carriers and better pricing. Learn more about home insurance or request a quote.
Have questions about your coverage? Call Johnson Insurance Agency at 303-768-8130 or stop by our office at 14 Inverness Dr. E, Suite G236, in Englewood. We compare coverage from multiple carriers for families and businesses across the Denver metro area and Colorado.
Sources
Can an Impact-Resistant Roof Lower My Englewood Home Insurance?
Is Colorado's Minimum Car Insurance Enough?
