Many don’t pay attention to their roofing system until it starts showing problems or leaks. Delaying repairs and not regularly maintaining your roof may create issues with your homeowner’s insurance.
Learn how the condition of your roof can affect your insurance premiums from a trusted residential roofing company.
Homeowner’s Insurance and Your Roof’s Shape
Your homeowner’s insurance protects you in case there’s a problem with your home. When it comes to your roof, it can refer to covering regular maintenance, repairs, and even a roof replacement. While your policy may cover the costs completely, it can still pay for a reasonable part.
Insurance companies know that extreme weather events can affect your home at any moment. A lot of these situations are covered but it still pays to know the inclusions of your policy before filing a claim. Still, your insurer believes that as a homeowner, it’s your responsibility to ensure your property is in good condition. If you need a new roof and they find that the reason is due to neglect, they may not cover the roofing installation cost.
Insuring Your New Roof
One factor your homeowner’s insurance will take into consideration is the state of your roof. Insurance providers usually look into the roofing material and the age of the system. The condition of your roof will be calculated into your insure. A roof that requires a lot of work can reduce your property’s value and even cause safety concerns to its occupants.
Another concern with your roof performance is its ability to withstand weather extremes. A roofing system in bad shape will not be able to put up with debris, high winds, heavy snow, ice dams, and heavy rain. Without proper maintenance, your roof will deteriorate faster, putting your safety at risk and possibly causing your insurer to drop your claim.
Creative Construction Group is one of the area’s best residential roofing contractors. Call us at (815) 459-1750 or fill out our contact form to get a free quote. We work with homeowners in Crystal Lake, IL, and areas around Illinois.