How Does the Condition of your Roof Affect your Insurance Premiums?


Your homeowner’s insurance is based on many things, but it mainly revolves around the condition, construction and the location of your home.  Because your premiums are based on these factors, it pays to keep your home regularly maintained.  Your roof is a large part of your home and you should address any problems, big or small, by a reputable roofing contractor like Williams Roofing Company.  Below are a few items we would like to share with you.

It’s Important to Understand Your Homeowners Insurance.

We all know that homeowner’s insurance is designed to cover you in case there’s a problem with your home.  This includes your roof.  Because your roof is protected, your insurance may cover regular maintenance, repairs or even a full roof replacement.  Even if your insurance doesn’t cover your entire claim, a sizeable payment will be helpful.  Your policy may even cover certain disasters that could hit your home.  Make sure you know what’s covered before you file a claim.  Most importantly, your insurance provider expects your home’s roof to be kept in good condition so it can withstand a disaster or even normal wear and tear.  That’s why it’s important to keep your roof on a regular maintenance schedule so you won’t have trouble filing a claim in the future.

How Does the Condition of your Roof Affect Your Insurance?

There is a rule of thumb that newer roofing systems have a slightly reduced premium over home with an older roof.  This is mainly due to a newer roof having a better chance at protecting the home against the elements and an older roof causing damage within the home with potential leaks.  Always talk to your insurance company before replacing or making any roof repairs to be sure you are adequately covered.

Does Insurance Cover Roof Damage?

Assuming your roof is in good condition a standard insurance policy will cover the following roof damages:

  • Wind
  • Rain
  • Hail
  • Vandalism
  • Falling objects
  • Fire
  • Hurricanes
  • Tornadoes

To what extent your insurance covers these damages depend on several factors.  Ask your agent for specific details.

  • Age of the roof
  • Condition
  • Your specific policy
  • Where you live

5 Ways Your Roof Can Lower the Cost of Insurance

Your roof is a big factor in the price of your homeowner’s insurance policy.  So, having an appropriate roof can save you considerable money on your premiums.  A well-maintained, properly installed roof with the best materials will decrease your chances of having to file a claim.  To say it simply, a house with a good roof is a lower risk for insurance companies.  

Below are the most important steps to assure you get a good deal on your insurance:

  • Choose the right roofing material:  Pick a roof that is appropriate for your home and your location.  A licensed roofer like Williams Roofing knows what roof materials do and don’t work in Monterey County.  We can help you pick the right roof for your home.  
  • Proper Installation:  A roof that is not installed properly can be a big liability.  It will have a shorter lifespan and be more susceptible to damage.  
  • Maintenance:  Ongoing maintenance will increase the lifespan of your roof.  And it will keep your insurance premiums as low as possible.  
  • Keep photos and paperwork: Make sure you keep detailed records of all completed work you have done on your roof, including receipts and estimates and photos.
  • Pick the right insurance company:  Shop around and compare quotes from several insurance companies.  You will probably discover that not all companies offer the same coverage for the same price.  

 If you have any questions regarding your roof life as it applies to insurance or a home that your plan to purchase, the best practice is to get the proper inspections as well as speak to an insurance specialist about pending effects on your insurance.

Looking for the best roofing company in Monterey County? Call Williams Roofing at (831) 758-2749 or fill out our contact form to schedule an appointment.