The 15-Year Roof Death Sentence THE 15-YEAR ROOF DEATH SENTENCE: Is Your NC Home About To Be Uninsurable? 🏚️ It’s the silent killer of home insurance policies in Elkin. You pay your premiums on time. You maintain your yard. But if you look up and see shingles that were installed when the first iPhone came out, you might be in the "Kill Zone." Insurance carriers across North Carolina are changing the rules of the game. They aren't just raising rates—they are actively scanning satellite imagery to find older roofs and cancel coverage before a storm even hits. The "ACV" Trap: Don't Get Caught Most homeowners assume that if a storm destroys their roof, the insurance company buys them a new one. That is called Replacement Cost Value (RCV) . But here is the dirty secret: O...