How Can a Roof Affect My House Insurance?
We all know that roofs are important. They shelter us from the elements and keep the interiors of our houses free of damage from water, wind, and anything else that nature can throw at them. But did you also know that the quality of your roof can affect your homeowners’ insurance premiums? In this post, we will share some tips with you on how to improve and maintain the quality of your roof so as to maximize your insurance savings.
Roof Inspections
First off, whether your roof is part of home or business, it is important to have it inspected periodically so as to catch small problems before they turn into big ones. Our certified roof inspectors will help you stay one step ahead by accurately diagnosing areas of concern and communicating the unbiased results to you. Moreover, our inspections are conducted in a manner that is least invasive to your property and time. Davidoff’s goal is to help you move forward with a comprehensive plan of action for your roof, helping you avoid costly insurance claims down the road.
Emergency Roof Repairs
When leaking occurs as the result of damage from extreme weather or an aging roof, time is of the essence. In spite of that, however, our experience tells us that quick patch-overs are not a viable long-term solution. The good news is that emergency roof repairs are a large part of what we do: Should you need an emergency repair, we will work quickly to diagnose the core problem and efficiently to repair it the right way. A win-win!
Does Homeowners’ Insurance Cover Roof Replacements?
It depends. If your roof is severely damaged as the result of extreme weather, fallen tree branches, or other factors beyond your control, your homeowners’ insurance may finance a repair or replacement. However, we cannot say for sure; you will have to look into what your particular plan covers. What we can be sure of is that homeowners’ insurance is not a home maintenance plan. It’s up to you as the homeowner to have regular inspections and maintenance done on your roof. Quite often, insurance companies will not pay to repair damage inside the home that results from poorly maintained roofs.
Does A New Roof Increase Your Home’s Value?
A new roof can increase a home’s value, especially if it is an upgrade from a previous roof or boosts the home’s curb appeal. That said, any new roof will always at least help you maintain the value of your home. Either way, then, it is a good investment. Bear in mind, too, that it is most likely easier to sell a home that has an updated roof in good condition. The condition of the roof is often one of the first things potential homebuyers look at to determine whether they think the entire home has been well maintained.
A New Roof Will Lower Your Insurance Premiums
It is no doubt that a new roof can be a costly investment upfront. But, in addition to adding to or maintaining the value of your home, a new roof will also help you save money in the long run in terms of insurance premiums. Quite often, insurance companies will charge additional amounts above their regular premiums for old roofs or roofs that are in poor repair. Some won’t insure homes with older roofs at all. That said, it is definitely worthwhile to invest in the quality of your home’s roof.
In many cases, our home is our largest investment. It only stands to reason, then, that homeowners will want to maintain the quality of their roofs. However, safeguarding our investments is not the only reason to spend on a new roof; by doing so, we can also save on the cost of insurance and even boost our home’s curb appeal.
If you are considering replacing your roof, contact the roofing professionals at Davidoff Roofing for a no-cost estimate today.
