How Can Your Roof Affect Your Home Insurance Rates?

While the roof is an essential part of the house, it doesn’t often get the care it needs. Many homeowners are unaware that their roofs have issues until leaks occur. It may help to know that your roof can influence your home insurance rates.  

A local seamless gutter and house roofing contractor explains how.

It Can Help You Get Discounts on Home Insurance

Some insurance companies offer discounts depending on the roofing material you have. For instance, you might save more by investing in an impact-resistant material like metal, which has better hail and wind resistance. You might also save on your home insurance if you have a fire-resistant roof.

It’s a good idea to let your insurer know if you are getting a new roof. You might qualify for a discount from upgrades that contribute to your home’s functionality and longevity. If you suspect your roof has damage, don’t wait long before contacting a professional. You can always count on Deschutes Roofing for quality roofing repairs and installations.  

It Could Determine if Your Policy Gets Renewed

After writing up your policy, your insurer will inspect your home. This inspection determines if the state of your property meets your insurance company’s condition. After the assessment, you might be asked to address roofing issues before they renew your policy. 

Some of these tasks could include keeping trees and shrubs trimmed to prevent them from touching shingles, fixing flashing, and replacing boots and vents. If you fail to have the necessary repairs or maintenance done, your policy might get canceled or not be renewed for the following year. 

Need a new roof or seamless gutters for your house?

Turn to Deschutes Roofing for superior residential roofing services. Call us at (541) 241-5720 (Bend), (503) 967-9590 (Portland), (541) 246-6860 (Eugene), (503) 468-7663 (Lake Oswego) or (503) 928-8750 (Beaverton). You can also fill out our contact form to get a free estimate.