How Your Roof’s Characteristics Impacts Your Insurance

How Does Your Roof Impact Your Ability to Get Roof-related Claims Covered?

Each element of a home’s structure may be taken into consideration when qualifying for insurance coverage. One area in particular that can impact costs and claims is the roof. A home’s roof serves as a protective barrier, and its age and condition can affect its ability to withstand unexpected incidents, such as severe weather or falling objects. Some insurers may even have specific age limits for roof coverage, requiring replacement once a roof reaches a certain age.

How Roof Characteristics Impact Insurance

The following features of your roof can impact homeowners insurance claims:

• Roof age and condition—Older roofs are typically considered more susceptible to damage and wear, which can result in higher premiums or limited coverage options. Insurers generally prefer homeowners to have newer roofs that are less likely to present issues. Some insurers may reduce or exclude coverage for wind or hail damage on roofs over a certain age, typically 20–25 years.

• Roof material—The type of roofing material can impact a homeowners insurance assessment. Roofs made with a more durable material, such as metal or impact-resistant shingles, may lead to lower insurance premiums and roofs that are less durable, such as asphalt shingles, may result in higher insurance premiums.

• Maintenance—Insurers may not always require proof of regular upkeep upfront but may consider past maintenance when evaluating claims. A well-maintained roof can lead to lower premiums and may be less likely to experience issues. Neglecting roof maintenance could result in claim denials if the damage is attributed to preexisting wear and tear.

• Roof shape and design—Roofs with steep slopes may be cheaper to insure because of their ability to shed water and snow, while flat roofs may be susceptible to water and ice buildup, which can cause damage, leading to higher premiums. However, some steep roofs may have higher repair costs, which could also influence rates.

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For insurance near you, contact McCartan Insurance Group.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.