This is very common. I have done more dropped insurance roofs in the past year than ever before. I have certified a lot of roofs. It costs the customer money to do that, and at the end of the day, the carrier will make the call, regardless of my professional opinion. I have lost count of how many adjusters and carriers I have had to argue and fight with. My only job in life is to stare at all manner of roofing surfaces in all conditions and I look at more in a given week than those guys see in a year sometimes. But for some reason, the adjusters ALWAYS seem to know better. It's just the way the game works.
You have two options:
1.) Your roofer should be able to tell you up front if the roof is OK. If it is, call the carrier and your agent and ask them straight up if they will reinsure the roof if you have a professional roofer provide a signed certification of good condition. Make sure you ask for exactly what they want on the certification form so your roofer can provide it as they wish. If the carrier will allow that, have them send that statement to you in writing so they don't do crawfish on it.
2.) Try to find another carrier that will insure your roof as is assuming it's truly in good shape. Age alone is never an indicator of a problem. I have seen 3 year old roofs that are crap and need to be replaced and I have seen 18 year old roofs that look pretty good.
I would avoid SageSure and not consider them in an capacity.
As I have offered with everyone on the forum, feel free to call and ask questions if you need, free of charge, no strings attached. I'm happy to help.
Infinity Roofing - https://linqapp.com/jason_duke --- JasonDuke@InfinityRoofer.com --- https://infinityrooferjason.blogspot.com/
