Your house’s roof is very important for insurance. In fact, investing in your roof with maintenance or replacement can pay off when it comes to insurance. The roof is a big factor in insuring your house since a problem with the roof can lead to many other claims such as water damage. In order to manage the rise in insurance claims for roof damage in recent years, more insurance companies are evaluating the current condition of your roof with aerial photography taken by drones. This gives them very up to the minute information on the current condition of your roof.
There are several factors that can influence the cost of insurance for your roof:
-
Age
-
Material
-
Shape
-
Condition
Keeping your roof maintained is important because if it is in poor condition your insurance company may refuse to renew your policy. In order to avoid the possibility of policy cancellation you should consider the following:
-
Promptly repairing any damage to the roof and keeping records of maintenance
-
Having your roof inspected at least every couple of years
-
Documenting your roof’s current condition
-
Keeping debris off the roof
-
Removing trees that could damage the roof or drop lots of debris on it
-
Cleaning gutters to prevent the roof from flooding
-
In fact, it’s possible maintenance to your roof will lower your premiums. If you have recently done maintenance or you are wondering how the current condition of your roof may be affecting your insurance premium, you might find it helpful to discuss this with an insurance agent, and it never hurts to get a new quote.