Homeowners insurance is intended to provide you with the assistance that you need in the case of an emergency. From hail storms to fires, your homeowner’s insurance is designed to provide you with guidance in the case that the worst case scenario does in fact happen. While that is the case, the amount of insurance that you select and the payment that you need to make will vary based on a few things. One of those things, as you may have assumed, is going to be the house itself.
If you thought that it was going to be a straightforward, black and white approach that insurance companies took with the house, guess again. When homeowner’s insurance companies look at your home, they’re going to take countless factors into question. One of the many things that they’ll look at will be your roof.
The team at PRN Roofing strive to provide the Tuscaloosa area with the information and guidance that they need to make the most of their roof, and this scenario is no different. In today’s blog post we’re going to touch on a few of the ways that your roof could affect your homeowner’s insurance and how we could help. Let’s get started.
Where You Live
Homeowners insurance, as we mentioned before, is intended to provide you with the services and assistance that you need in the case of an accident or an emergency. The area that you live in is going to affect the coverage that you need for your roof and how the insurance company views it right off the bat.
Here in Tuscaloosa, we do have to worry about storms and hail damaging the roof. Our storms, however, are not as brutal and damaging as storms that take place in other parts of the country. This, however, is not the only aspect of where you live that will be taken into consideration.
Though storms with hail and lightning are very likely to damage the roof, they aren’t the only thing that could cause damage. Big trees that hang over your roof are another factor that your insurance company will take into consideration. If you live in a highly wooded area or your house has tall trees growing above it, you can bet that your insurance company will factor this into the coverage.
Quality is always going to be taken into account when your insurance company looks over your roof. The material that you selected for your roof is only one of the ways that they’ll determine the condition and quality of your roof. With so many different types of materials to choose from, it’s always good to ask a professional which is going to best suit your home and its needs before committing.
If you’re in the process of having a new roof built, take a second to talk to our team members and see what type of material they’d suggest. We work hard to take all factors into consideration so that we can lead you to the right decision.
Condition and Age of Your Roof
The last point that we’re going to touch on in today’s blog post is the condition and overall age of your roof. This is extremely important to insurance companies because it can give them a glance into what to expect from the roof. Sure, there are roofs that have a few years under their belt and will be able to withstand so much more but, more often than not, an older roof is a red flag for insurance companies.
From leaking to collapsing, old roofs have a way of creating bigger problems. Though a full roof replacement may seem expensive up front, it’s nothing compared to the cost of some damages that old roofs can cause. This is exactly why your homeowner’s insurance company is going to want to know about the condition and age of your roof.
Older roofs that are weathered and in bad condition are a sign of issues to come. If your roof is currently outdated or in poor condition, you may want to consider updating your roof prior to getting your homeowner’s insurance quote. These quotes can skyrocket if you have a roof that is more likely to need funding down the road. Rather than pay the insurance company for the inevitable, get ahead of the game and repair your roof before any headaches with the insurance company begin.
Contact PRN Roofing
All of these factors are taken into consideration because of the risk that they have. If you’re currently looking for homeowners insurance you’re concerned about your roof, or you’re struggling with homeowners insurance and would like to make some improvements on your roof, our team can help. PRN Roofing loves being able to provide individuals in the Tuscaloosa area with the services that they need to make the most of the roof over their head. Contact our team today, and we’d be more than happy to set up a time to provide you with a thorough inspection. From there, we’ll guide you to the best options for you!