A northwest Calgary resident is facing an unexpected and costly home improvement project after her insurance provider demanded a full roof replacement for policy renewal. Krystal Tait, a homeowner in the community of Valley Ridge, was informed by Allstate Canada that she must replace her 25-year-old wood shake roof to maintain coverage on her property.
The Insurance Dilemma
Krystal Tait discovered this requirement when attempting to renew her home insurance policy. Her wood shake roof, which has served the home for a quarter century, no longer meets the insurance company's standards for coverage. This situation highlights a growing trend where insurance providers are becoming increasingly strict about roof conditions and materials, particularly with older roofing styles.
Financial Impact on Homeowners
The forced replacement creates a significant financial burden for homeowners like Tait. Roof replacements in Calgary can cost thousands of dollars, representing an unexpected expense that many families haven't budgeted for. The timing is particularly challenging given current economic pressures affecting household budgets across Canada.
The case raises important questions about insurance industry practices and homeowner rights. While insurance companies cite risk management as their motivation, consumers are often caught between maintaining their properties and affording necessary insurance coverage. This situation in Valley Ridge serves as a cautionary tale for homeowners across Calgary and throughout Canada to review their insurance requirements proactively.
