Does Your Roof’s Condition Affect Your Insurance Premiums?
Many homeowners don’t think about their insurance until it’s time to file a claim. It’s the same with roofing problems: they are neglected until obvious signs of leaks manifest. Not caring for your roof and delaying repairs can actually affect your insurance premium.
Discover how the shape of your roof affects your homeowner’s insurance from a leading solar panel company.
Your Homeowner’s Insurance: The Fine Print
One of the major things your insurer will consider when insuring your new home’s roof is its condition. The shape of your roof will be calculated into your insurance premium. A roof that is in a bad state will not only reduce your home’s value but can also pose safety risks to your household. Roofing problems can also increase your rate and even prevent you from being covered. Insurance providers usually consider the roofing materials, age of the roof, and the system’s general condition.
If you’re buying a new home, you should have the roof carefully inspected. Does it need repairs or a complete replacement? Make sure to obtain at least three quotes from different contractors, so you’ll have a better idea of how the state and age of the roof can affect your insurance coverage. At, Green Air Heating and Air Conditioning, Inc., we offer free estimates for roof replacement as well as solar installation.
Talk To Your Insurer Before Starting Roofing Projects
You should consult your insurance provider first before tackling repairs or replacing your roof. Newer roofs usually have a reduced premium while older roofs will pay more. Recently installed roofs can offer your home more protection. Moreover, your insurance provider expects homeowners to care for their roofs, especially if the system is old. Some insurers could threaten not to cover your roofing expenses if your roof is old and not well-maintained.
Turn to Green Air Heating and Air Conditioning, Inc. for quality roof replacement services. We also install solar panels, gutters, and HVAC systems. Call us at (925) 954-9998 or fill out our contact form to get a free quote or schedule an appointment. We work with homeowners in Oakland, CA, and areas around California.
