How much you pay for your homeowners insurance will depend on several factors, but mainly it will revolve around the condition, construction and location of your home. You’ll expect insurance companies to assess the risks of your home based on its condition in different ways, so it pays to keep it regularly maintained.
Your roof, in particular, should be inspected by a professional and have its problems addressed however minor they be. Otherwise, you’ll be creating problems when filing an insurance claim. Trusted metal roofing expert Southern Roofing Company shares their insight:
Understanding Your Homeowners Insurance
The homeowners insurance is meant to protect you in case there’s a problem with your home. This includes your roof as well, which means it can cover regular maintenance, repairs or even a full replacement. While it may not cover your claim entirely if you file one, the idea is to have your insurance pay a sizable portion of your repair or replacement costs.
Your homeowners insurance policy is also aware that disasters can hit your home at any time. Typically, many of these disasters are covered, but you’ll still need to know what’s exactly covered before you file a claim. Keep in mind that your insurance provider also expects you to keep your roof in good condition so it can withstand disasters better. This is why it’s important to maintain it regularly; otherwise, you’ll have trouble filing a claim even for a roof repair.
How Does Your Roof’s Condition Affect Your Insurance?
Basically, newer roofs will usually see a reduced premium while homes with older roofs will pay more. This is because roofs have a better shot of protecting the home against the elements. An older and leaky roof can result in damage within the home. So, when you make a home improvement, especially replacing or repairing a roof, be sure to talk to your insurance agent first to check if you’re covered.
Whether you want metal or asphalt shingles installed, hire our services and you’ll be left satisfied with the work. Call Southern Roofing Company today at (470) 299-7663 or by filling out our convenient form online.