Homeowners Insurance and Installing a New Roof in New Bern, NC

The roof is one of the most important features of any house. It’s the component that protects indoor spaces, possessions and people from the elements, while doing the same for the overall structure of the house. Rain, snow, hail, wind or sunshine, it all has an effect on roofing materials. Leaks and exposed portions of the roof are absolutely not ideal, and will undoubtedly cause trouble for the rest of your house.

Did you know that your homeowners insurance policy takes into account both the age and the condition of your roof? Insurance companies consider all aspects of your roof when assessing your home for insurance coverage. There are many factors about your roof that can affect your ability to get a good policy rate, or any insurance at all. Here’s what you need to know about homeowners insurance and installing a new roof in New Bern, NC.

Location

The area where you live can have a significant impact on the condition of your home’s roof. Therefore, your location will likely influence the types of homeowners insurance policies available to you. Super-high summer temperatures can affect the structural integrity of the roof over time, and can limit your policy options. Keep the damaging effects of extreme heat in mind when buying a new home or replacing an old roof.

Also, hire a contractor experienced in replacing roofs in your area. They will be able to recommend the best materials for the climate, as well as the roofing materials insurance companies typically approve for coverage.

Age

Like other parts of your house, time takes a huge toll on roofs, no matter the type of material used. Roofs that are 20 years of age or older are red flags to insurers, meaning your old roof can keep you from acquiring a new homeowners policy or getting a good insurance rate. Companies that do offer coverage for older roofs might only provide partial payment for a roof replacement.

Condition

The condition of a roof has a lot to do with its age and how it was installed. When you file a claim with your insurance company, they will send a professional to your home to assess the damage. Although it may be obvious that a tree branch fell on your roof, the inspector may find signs of inadequate tree maintenance or poor roofing construction and deny your claim. Make sure your new roof is installed by a certified professional.

Materials

The five most common types of roofing materials are asphalt shingles, tile, wood shakes, metal and slate. Insurers know which materials are resistant to fire, long lasting, durable and good at insulating the home. Each material varies in terms of initial cost, lifespan and replacement costs, and some will do better in your climate. Choose wisely for a chance at decent homeowners insurance coverage.

For a better understanding of whether roof repair or roof replacement in New Bern, NC is the best option for you, contact the experts at Dallas Cherry Roofing. We’re here to help you keep a solid roof over your head!

Categorised in: Roof Replacement

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