How Your Roof Can Affect Your Homeowners Insurance

Your roof affects your homeowners insurance.

How Your Roof Can Affect Your Homeowners Insurance

When thinking about the most crucial components of a house, people may be quick to think about the kitchen space or the location. Although these are very important parts of a whole, it can become easy to overlook the significance of our roofs. We tend to neglect our roofs because they aren’t something we come into contact with every day.

Roofs are one of many key factors that can influence the value of your homeowners insurance. Being that your roof is what protects your entire home from detrimental weather conditions, such as strong hurricane, winds, or hail, it is crucial to keep its maintenance intact. Hercules roofing is here to provide you with the three main reasons why your roof can make or break your homeowners insurance.

Age

Withstanding heat and harsh weather conditions over time can cause a roof to lose its structure. An older roof can cause your homeowners insurance to be a lot higher. Sometimes the additional cost of insurance is based what year the roof was installed and the building code year it conforms to. Also, aged roofs are prone to problems such as leaks, mold, and broken tiles, which do not look good to insurance companies. Some insurers will not even consider covering an old roof, so it is important to keep your roof maintained and up to date. If your homeowner insurance is costing you an arm and a leg, maybe it’s time to consider repairing your roof or getting a new one installed.

Maintenance

Due to the fact that you cannot see the condition of your roof in plain sight, it is important to inspect and maintain it regularly. Doing so can help increase the lifespan of your roof, and can help you avoid any extreme payments to your insurance. Inspections should be done at least 1-2 times a year, around the time the seasons change, to ensure that you have no broken shingles/tiles, pests, mold, or debris on your roof.

Materials

Choosing the right materials with which to build your roof will reflect what your homeowners insurance will look like. Not only should you be picking your roof’s material based off of your location, but also based on its durability. The most common type of material that homeowners use are Concrete tile roofs due to their appearance. However, here in Florida shingle roofs have similar lifespans and are less expensive to maintain.

Because of Florida’s heat, hurricanes, and downpours, homeowners may want to choose a material that has a long lifespan and can withstand extreme weather conditions, such as metal. Metal roofs cannot grow mold, are extremely durable, and are also environmentally efficient. Although this material may not have the nicest appearance, it can help reduce the cost on your homeowners insurance.

Call Hercules Roofing to Avoid Letting Your Homeowners Insurance Get Too High

Choosing the right roof for your home may be a dif ficult task, but Hercules Roofing is here to help. Contact us here or call us at (561) 220-9998 to speak with one of our professionals and discuss which roof is right for you.

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