The insurance company said that our home was from 1979 and is considered to be “old.” The claims officer told me that they used to be delivered as a box-like structure. The wheels and axels were then removed, and the unit set into place. After that came the “add-ons” which included the lanai, the carport, the awning (overhang in the front ) and the shed.
After the hurricanes of 2004 (?), the insurance companies realized that these “add-ons” were the most vulnerable to wind damage, so they decided to insure them separately with very low coverage amounts.
If your roof gets damaged in a storm (as ours was), and if your roof is one that is considered “old” by the adjustor (as is the case with ours,) then they might reduce the coverage by as much as 75%. In other words, if the replacement cost of a new roof (the same kind that was there in the first place——not the latest kinds) is $5,000.00, you would probably get about $1,200.
More reports to follow. You can all learn from our experience. Paul