We're in the process of fixing up a farmhouse that was built in 1912. We have to pretty much re-do the whole house. We finally managed to find an insurance company that would insure it and the renewal doesn't come up until January. We are paying more on insurance on this place than I do on mine which is a 14 YO house on 14 acres. Anyway, the agent called yesterday to ask if we have the new roof on yet. He was pretty upset when I told him that we didn't. I tried to tell him that we have been gutting the inside and rewiring, insulating, drywalling, etc and have sided it and are in the process of building the new wrap-around porch. The roofing will have to wait till we're done with the porch so we can do it all at once. For some reason, the roof has always been a problem with the agent and his under-writer. It looks rough, I admit, as it has the original shingles but it has NEVER leaked. I asked him if he thought we would be wallpapering the inside walls if there was a leaking problem???? He's seen the inside so I don't understand what the big push is with this roof! I'm afraid that he's going to cancel our insurance so we are going to be roofing in the next couple of weeks. Has anyone else had problems getting or keeping insurance on an old house that you're fixing up? It seems kind of crazy to me that there is so much concern about this because we don't even live there. When we leave after working on the house, we even shut the electricity off to it. Just another thing to worry about :no: Leay Oh, I should add that I even asked him if we could do something like signing off on any claims if the roofed leaked and he told me NO!