T-lock shingles were a popular option for your roof 12+ years ago. A T-lock roof is intertwined to make a “T” shape (displayed in the picture). The shingles were designed to withstand high wind gusts. The problem is that these shingles were discontinued in the mid-2000’s. Here’s what you need to know about T-lock shingles insurance

It is tough to get proper home insurance coverage if your home has the T-lock shingle. The insurance company cannot simply replace a handful of shingles if a small portion of your roof is damaged. Most reputable insurance companies will not insure these homes and if they do, generally, it is with a higher deductible or actual cash value coverage. Actual cash value coverage means that there will be a depreciated value for your roof so you have a higher out-of-pocket obligation.

 T-Lock shingles T-Lock shingles

If you are buying a home with T-lock shingles, you might consider making the seller replace the roof as part of the closing terms. If you have a T-lock roof on your home now, check to make sure your current home insurance policy is replacement cost. You will likely want to keep that existing policy until you get a new roof. Many existing policies will have the replacement cost “grandfathered” into the policy. If you are shopping for insurance and have a T-lock roof, make sure the insurance agent and insurance company know the type of roof on your house.

Feel free to contact us if you have any questions about insuring T-Lock shingles or finding a reputable replacement.

Or spend 2-minutes to fill-out this quick quote homeowners insurance form

The same insurance coverage from your personal auto insurance policy will extend over to that rental car. So if you have comprehensive and collision coverage (commonly called full coverage) then your rental car will be repaired/replaced if it is damaged in your possession. You will be responsible for your deductible.

Rental car companies offer an add-on called collision damage waiver. By purchasing this waiver, any insurance claim would go through the rental car company – not your personal auto insurance. Typically, there is not a deductible if you purchase this waiver.

Of course, there are some restrictions on your personal auto insurance policy:

  • You will want to make sure that only the drivers on your personal auto policy are driving the rental car.
  • Most insurance companies have a limited number of days that you are covered to rent the car – usually it is 30 days.
  • Coverage will generally only apply in the U.S.
  • The rental car company can still choose to charge you for loss of use. Loss of use could apply if the vehicle is being repaired and they are unable to rent that vehicle out during that time period.

Each situation can be unique so please contact us with any specific questions. 

Summer is a popular time to borrow your neighbor’s truck for a home-improvement project or moving large furniture. Here is what you need to know about your auto insurance coverage when borrowing or loaning a car.

Generally, the coverage follows the vehicle instead of the driver. In most circumstances, as long as the owner of the car has insurance, it’s covered even if someone other than the owner is driving it — as long as they have the owner’s permission. The borrower’s insurance is considered secondary — it could apply if the owner’s insurance is insufficient to fully cover the damage, in the event of an accident.

There are some exceptions to what is called “permissive use” coverage. For example, permission must be given by the vehicle owner. The borrower should not give permission to another person to use the vehicle. Coverage might also be denied if the borrower operates the vehicle in a criminal manner. Business use, by the borrower, likely won’t be covered under your personal auto policy.

Ultimately, it’s usually safe to occasionally loan your car— just make sure it is for “normal” use. Feel free to contact us if you have any questions. Don’t want to wait until it’s too late to get answers!

Denver Insurance is an independent insurance agency located in beautiful Colorado.  We are proud to have the flexibility to serve our customers and friends the best coverage at the most affordable price. We work with 32 major insurance carriers to compare prices for you at no additional cost.

Our quick same day quote service is the best thing you could do to save money fast. We are proud to represent Colorado in all your insurance needs.

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