Older Roofs Often Signal Higher Risk for Insurance Companies
Do you know how the age of your roof affects insurance rates? Insurance companies see aging roofs as a red flag, so Day Insurance Agency, Inc. starts with risk evaluation. Older roofs are more likely to leak, collapse, or fail during storms. This increases the chance of homeowners insurance claims.
Insurers often raise premiums when a roof ages over 15 or 20 years. Some companies may even deny coverage. The material also matters—shingles, tile, or metal wear differently over time. Insurance carriers look at both age and condition, so read on to learn more.
Newer Roofs Often Help Lower Homeowners Insurance Premiums
A recently replaced roof offers better protection. Insurers reward homeowners who update their roofs with better rates. A modern roof reduces water damage, mold growth, and interior destruction. This lowers the insurance company’s risk.
As a result, they often provide discounts for new roofing. Adding impact-resistant shingles can lower rates even more. Some policies even include roof age as a rating factor. Keeping a new roof in good shape maintains your savings year after year.
Regular Roof Maintenance Helps Protect Your Insurance Standing
Routine inspections and upkeep make a major difference. Fix small issues early to prevent expensive damage later. Insurance agents appreciate well-maintained homes. A good maintenance record shows responsibility and lowers risk.
Keep photos and receipts of roof repairs for your insurer. These documents support claims and may help with premium adjustments. Consider scheduling an inspection every few years to assess your roof’s condition.
Talk to Day Insurance Agency, Inc. About Your Roof and Policy
If your roof is nearing its life expectancy, talk with a local agent. Our team in Washington, PA, can help. We’ll review your current coverage and suggest the best ways to protect your home and budget. You may even qualify for a better policy after replacing your roof.
For more information, call Day Insurance Agency, Inc. in Washington, PA at (724) 228-3448 or in Hickory at (724) 356-7700. Learn more about how the age of your roof affects insurance rates.
