There are many factors that can affect your homeowner insurance premiums, some of which include the house’s age, recent remodels and even proximity to a fire station. But there’s a lesser-know factor that can affect your insurance premiums: your roof’s condition.
How Roofing Condition Affects Insurance Coverage
Insurance providers offer better, reduced premiums for newer roofs. The reason behind it is that newer roofs have better chances of withstanding the elements. It doesn’t make sense to provide coverage for old and leaky roofs that can result in further damage within the house. This is why we remind our customers to talk to their insurance providers whenever they have their roof replaced or repaired as they could get their premiums adjusted.
If a roof repair or replacement is due in the near future, upgrades that improve the roof’s wind resistance can be favorable towards your insurance premiums. Wind-resistant roofing often has features like adhesive-reinforced starter strips and shingles. In addition to a potential reduction in insurance premiums and improving your home’s resistance against the elements, you can also benefit from better insurance coverage. Wind-resistant roofs will also incur lower repair costs, compared to other roofing systems.
How to Keep Your Roof In Good Shape
Even if your roof isn’t up for replacement, you should keep up with its maintenance. It probably won’t help reduce your home insurance premiums, but it can help keep premiums within manageable levels. If your roofer offers a roofing maintenance agreement, sign up for one. It can save you time on looking for and booking a roofing contractor every time.
In addition to scheduled roofing maintenance – usually conducted every three years or so – you should perform roofing and gutter inspections twice a year: once before winter and then before summer. During these inspections, keep an eye out for signs of damage, and call your roofing contractor for repairs as needed.
Brownstone Roofing is your leading provider of roofing services, including storm damage repair. Give us a call at (502) 443-9222, or fill out our contact form. We serve customers in New Albany, IN, and nearby areas.