Does Roof Replacement Lower Insurance?

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Are you asking yourself the question, “Does Roof Replacement Lower Insurance?” Getting a new roof may potentially help you get better insurance coverage or lower insurance premiums, but it depends on your specific circumstances and insurance provider. Here are some factors to consider:

  1. Age and condition of your roof: Insurance providers typically prefer roofs that are in good condition and relatively new. If your roof is old, damaged, or nearing the end of its life expectancy, it may increase the likelihood of damage and thus result in higher insurance premiums.
  2. Type of roof: Some types of roofs are more resistant to damage than others. For example, impact resistant shingles (class 3 or 4), metal or tile roofs may be more durable and thus less prone to damage from hail or wind than asphalt shingle roofs. Insurance providers may offer better coverage or discounts for certain types of roofs. Call your insurance carrier now!
  3. Location: Your geographic location can impact your insurance rates, as some areas may be more prone to certain types of weather-related damage. If you live in an area with a high risk of hurricanes or tornadoes, for example, your insurance premiums may be higher.
  4. Upgrades and renovations: Making upgrades to your home, such as installing a new roof or upgrading your electrical or plumbing systems, can potentially lower your insurance premiums or provide you with better coverage.

It’s important to note that insurance providers have different policies and requirements when it comes to roofs and home insurance. Before making any decisions about your roof, it’s a good idea to speak with your insurance provider to determine if a new roof would result in any benefits or changes to your insurance coverage.

Does Roof Replacement Lower Insurance

If you are looking for an inspection or estimate, please feel free to contact us here or call Overton Contracting at (816) 493-2199!

Brock Overton


President & Co-Founder


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