How Your Roof’s Condition Affects Your Insurance Premiums

Home insurance is more of a necessity today. If you’re planning on getting home insurance, you should check your roof’s condition. The condition of your roof and how well it was maintained can affect your insurance premiums. 

Wortham Brothers Roofing, your trusted roofing contractor, explains why and how in this post.  

Why Newer Roofs Have Lower Premiums 

Homes with newer roofs usually get a reduced premium while homes with older roofs get higher premiums. As a roofing system ages, it suffers increasingly frequent breakdowns that will require roof repair work, which is why insurers charge higher premiums for older roofs. This is the same reason why it makes more financial sense to get a roof replacement if your roof is almost at the end of its lifespan. In the long run, repair costs—which can quickly add up—are likely to be bigger than the cost of a single roof replacement. 

How the Shape and Slope of Your Roof Can Affect Insurance Premiums

The shape and slope of your roof can also affect your insurance premiums. For instance, insurers are likely to offer lower premiums for hip roofs (which have inclines on all sides and higher wind resistance) and higher premiums for gable roofs (which only have two sloping sides and are more prone to wind damage) in windy or hurricane-prone areas. The more damage-prone your roof is, the higher your insurance premiums will likely be. 

Choosing Durable Roofing Materials

Some insurers give discounts on premiums to roofs made of metal, tile or slate, materials known for their exceptional durability. Keep in mind that no matter how durable your roof is, it won’t last long if it can’t handle the local climate. To find out which roofing materials are suited to the local climate, consult your local roofing contractor.  

One more thing: Don’t forget that neglecting to maintain your roof can void your insurance policy. And if not, a poorly maintained roof will likely be charged higher premiums. That’s why it’s important to follow a strict maintenance routine for your roof. 

Googling roofers near me? Wortham Bros offers a wide range of professional exterior services. To request a free estimate, call us at (972) 960-3135 or (972) 960-3135 or fill out this form. Talk to us today!

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