SPOILER ALERT: Your Roof Has An Expiration Date! 🥛

Would you drink milk that expired in 2008? 🤢

Absolutely not. It would be chunky, gross, and a health hazard.

Yet, right here in Elkin and Surry County, thousands of homeowners are living under roofs that "expired" years ago—and they have no idea they are sitting on a financial time bomb.

We see it all the time at the Bill Layne Agency. You think your roof is a permanent shield, like Captain America's vibranium shield. REALITY CHECK: Your roof is more like a banana. It has a shelf life, and the North Carolina sun is turning it brown and mushy faster than you think.

The "15-Year Cliff" No One Talks About 📉

Here is the brutal truth about insurance logic. When your roof is young (under 10-15 years), it’s treated like royalty. But once it hits a certain age, your coverage might change dramatically without you realizing it.

If a massive storm rolls through the Triad and rips up your 20-year-old roof, you might expect a check for a brand-new one. STOP RIGHT THERE.

Depending on your policy, you might only get the Actual Cash Value (ACV). That means you get paid what your old, tired roof is worth today—not what it costs to buy a new one in 2024. That's the difference between a full payout and a check that barely covers the dumpster rental.

Is Your Roof "Chunky Milk"? 🥛

Here are the signs your roof is past its "Best By" date:

• 🏜️ Balding Shingles: If your gutters are full of sandy granules, your roof is shedding its skin.
• 🍟 Curling Edges: If shingles look like old curled potato chips, they are cooked.
• 🗓️ The Calendar: If your roof was installed when Finding Nemo was in theaters... call us immediately.

Don't Let Your Coverage Expire Before Your Milk Does

We aren't here to scare you; we are here to arm you. You need to know exactly what your policy says about roof age and replacement cost.

Don't wait for a leak to ruin your living room. Let’s do a "Freshness Check" on your policy today.