When your roofing system does its job, you don’t necessarily pay too much attention to it. In reality, the only time homeowners give any thought to their roofs is when it gets damaged, and they need to find a water, snow or hail damage restoration company to take care of the matter. In fact, there’s a big chance your insurance company pays more attention to your roof than you do. This isn’t surprising because your roof can dictate the terms of your policy.
How does your roof affect your insurance?
Higher Premiums
There are many different types of roofs out there, and every single one of them will have its own list of pros and cons. Some materials are more resistant to certain types of damage, such as wind, water or hail damage than other types. Your insurance company must take these characteristics into consideration when determining your monthly premiums. They must also consider the age of your roof and its current maintenance. Older roofs made from non-resistant materials may incur higher premiums because they carry a bigger risk of requiring repairs or restoration.
The Advantages
Of course, roofing systems can lower your monthly payments and deductibles just as much as they can increase them. Take a closer look at your policy, and determine what types of materials and other considerations can cut back your premiums. If you’re due for a replacement anyway, talk to your contractor about making the right upgrades to qualify for lower rates.
At Dynasty Restoration Inc., our water damage restoration and roofing experts can help you make the right decisions for a roof repair job as well as for new roof installations that can get you on more reasonable insurance premium tiers. Give us a call at (402) 205-2877, or fill out our contact form to schedule a consultation and request a free estimate today.
