Age is just a number, not a reason to decline
Posted on August 19, 2026
Options for Older Roofs, Older Mobile Homes, & More
Age has become an increasingly common obstacle for homeowners and their agents. When it comes to roofs, many carriers draw a hard line at 15 years, declining or non-renewing accounts even when a roof is in good condition. For manufactured and mobile homes, many carriers won’t touch anything built before 1994.
At Aspera, our goal is to give eligible clients reliable options.
If your client’s roof is in good condition, that’s good enough for us to consider the home, traditional site-built or manufactured. We’ll also consider manufactured and mobile homes built as far back as 1977, unlocking decades of otherwise hard-to-place inventory.
As the exclusive wholesaler for an A (Excellent) AM Best-rated E&S carrier, we provide a range of solutions for hard-to-place homes, including:
- No coastal limitations or PC-10 restrictions in our open markets
- Wind & Hail included on every policy
- Options for both replacement cost value (RCV) & actual cash value (ACV) settlements
Not appointed? Get started here. Our appointment process is so simple that once you submit your request, you could be sending out quotes within the day.