Roofing an older home
So some of you know that I am looking to purchase a 1920 farm house. It desperately needs a new roof, and after posting pictures of the home in the winter time, have found that it may have a heat leakage.
Now I know that sometimes an insurance company will have a roof inspected and if it shows the deterioration of a roof to be caused by storm damage the insurance company may provide a new roof as an insurance claim.
With this being said, how do I approach the seller about this information? I'm not sure what type of home owners insurance he has, but I do know who he has insurance through. Should I consult him(older gentleman) in this information to see if he would be willing to have the roof inspected and possibly fixed? We were going to have the roofing done ourselves, with the owner repaying us, as he doesn't want the hassle. But I really want this home to have a new roof, and possibly some type of membrane put in to help with heat leakage BEFORE winter approaches.
My rental that I am living in is getting a new roof because of heavy storm damage, as well as half the town(spoke to home owners who have roofers on their homes) to find out if it's normal maintenance or why they need new roofs. I'm nosey lol. A lot of people have told me that they are having their whole homes roof repaired through insurance claims of heavy storm damage.
Could this be a route for me to take, if in fact we purchase the home? If it is, how do I go about doing it. Do I need to wait until I purchase the home and use my own insurance, or use the existing insurance to fix the home before our closing is done?
Any and all information/advice is much appreciated! I would have asked the repair forum, but I don't see getting any useful information there, except to run away lol