Anyone who owns a home needs a homeowners insurance policy. The homeowner’s insurance policy is critical to providing you with the necessary coverage to help make you whole again should there be an accident that leads to damage or liability inside of your home. One of the areas where home insurance carriers pay a lot of attention when it comes to risk exposure is the roof of your home. The age of your roof can have a big impact on your home insurance policy.
Serving the greater Moberly, MO region, Swartz Premier Group Insurance can help you understand the linkage between your home insurance premium and your roof.
Age of the Roof and the Impact
So what is the impact that your roof will have on your home insurance policy? What is the big deal if you have a home that has a really aging roof? Every home insurance carrier is going to treat your roof state differently. Some will be more open to taking on the risk that your roof presents than others. If you have a roof that is over 20 years of age your insurance carrier may not even provide you with a home insurance offer.
Factors Outside of the Age
There are other factors that will impact the cost of your home insurance related to the roof. These factors include:
Condition – What is the condition of the roof? Is there a lot of wear and tear?
Material – What is the roof made out of? is it metal, wooden, or slate shingle?
Shape – Gable roofs and hip roofs are the most common. Roof designs may make them more prone to damage.
Contact Us Today
You may have more questions when you are looking to get home insurance or renew your policy. Reach out to us at Swartz Premier Group Insurance in Moberly, MO, we can assist you with the right coverage for your needs.
