How Your Roof Impacts Your Homeowners’ Insurance


Your home’s roof is the primary protection against hail, wind, fire, and other perils, making it a critical component when considering your home insurance coverage. From the material it’s made of to its age and condition, there are various aspects of your roof that can influence your policy.

Roof-related claims, like damage caused by severe weather, are some of the most common reasons homeowners file insurance claims. An aging or poorly maintained roof can increase the likelihood of these claims due to leaks, water damage or structural issues. A well-maintained roof can help mitigate potential claims, which may positively affect your insurance rates over time.

Insurers will take these factors into consideration when inspecting your roof:

Material and Durability – Materials like asphalt shingles, metal or clay tiles are considered durable and can withstand various weather conditions. If you have an older home with wood shingles, it might be deemed more vulnerable to damage and can potentially lead to higher insurance premiums.

Age and Condition – The age and condition of your roof are considered when determining the potential for damage and maintenance requirements. An older roof may have wear and tear, making it more susceptible to leaks or structural issues. If your roof is 20 years or older, some insurance companies may require an inspection.

Be sure to conduct regular roof maintenance, inspections, and repairs to ensure your roof will be dependable for several decades!

Tips for Roof Maintenance

  • Get a roof inspection every five years. Preventative maintenance could save you from a large expense in the future. (Remember, your homeowners’ insurance will not cover normal wear and tear!)
  • Remove objects from your roof. If objects or debris ever end up on your roof, it is imperative that you remove them as soon as possible as it could cause deterioration.
  • Replace worn shingles, as necessary. If you notice any damaged shingles during your inspections, be sure to replace them as soon as you can. This could make your home more susceptible to leaking and water damage.
  • Document your roof. Take pictures of your roof so you can provide before and after photos if you need to depict the severity of any damage for a potential insurance claim.
  • Make improvements where you can. There are many ways to upgrade your roof to further protect it from damage. Be sure to let your insurance provider know if you make any improvements. It could earn you a discounted rate!
For any questions about your policy, please contact your Pulte Insurance Agency Sales Agent!
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