As a homeowner, you know that one of the most important things you can do is keep your home in good repair. But did you know that the condition of your roof can impact your home insurance rates? That’s why it’s important to have your roof inspected regularly and make any necessary repairs before purchasing a policy.
If this is the first time you’re considering it, or you found out a bit too late, and now you’re looking for a way to deal with the issue, then this is for you! We will make sure you know what the insurance company will evaluate for on your roof.
4 Factors To Look For On Your Roof
Your roof should be a big concern when you’re getting homeowners insurance. You want to make sure the roof is covered and how. Here are the things you need to watch out for when signing up for home insurance:
Age of the roof
Generally speaking, newer roofs are less likely to experience problems such as leaks than older metal roofs. That’s why most home insurance companies will only cover roofs 20 years old or younger. So if your roof is getting up there in years, it’s important to get it inspected by a professional.
Type of roof
Home insurance companies typically cover three types of roofs: asphalt shingles, metal roofs, and tile roofs. If you have a different type of roof, especially if it’s made of wood, you may have to get special coverage.
Condition of the roof
Home insurance companies will only cover roofs that are in good condition. So if your roof has any damage, you’ll need to get it repaired before you get home insurance.
If you’re not sure about the condition of your roof, you can always have a professional roofer come and take a look. They’ll be able to tell you if your roof needs any repairs.
The shape of the roof
This is important because the shape of your roof can affect how much wind or snow accumulates on it. If your roof is steep, like gables and hip roofs, there’s less chance of damage from wind or snow. But if your roof is flat, there’s a greater chance of damage.
Many insurance companies offer discounts for homes with certain roofs, such as metal roofs. In addition, some insurers offer comprehensive coverage for homes with certain types of roofs that are more likely to be damaged in a severe storm.
Save Money On Your Home Insurance with One Oak Exteriors
A weak or damaged roof can increase your insurance premiums or even lead to your claim being denied. If you’re thinking of getting home insurance, we highly recommend getting your roof checked first.
One Oak Exteriors offers residential roofing services in Weatherford, TX, and the surrounding areas. We specialize in metal roofing and offer a complete list of roofing services, including inspections, repairs, replacements, and installations.