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Does Your Roof Impact Your Homeowner’s Insurance?

Does Your Roof Impact Your Homeowner’s Insurance?

No matter how old your house is, the roof is still a concern to your home insurance provider.

Your home’s roofing is the hardest part of your house to reach. Because of that, the roof is often overlooked when it comes to rules and regulations defined by your local communities. As important as your roof is, compare how your roof looks with the type of fence you plan to install or even something as seemingly minor as the color of your mailbox: what is a higher priority to your HOA? Join us as we answer the question of what your chosen roofing has to do with your home insurance.

Saving Money

No matter how old your house is, the roof is still a concern to your home insurance provider. Did you know that with a better roof, you can save money? However, a brand new roof, or at least one that is less than a decade old, won’t be considered likely candidates for any possible discounts. The reason for this is because newer roofs are presumed to be higher quality and won’t leak as much as older roofs would. That said, if your roof can resist damage from hail, you are eligible for a discount. Some possible roofing materials to consider in this regard include:

  • Metal
  • Slate
  • Tile
  • Fiberglass

Higher Insurance Rates

Unfortunately, the state of your roof might also lead to higher insurance rates. That’s why it’s important to have your roof regularly inspected by the experts here at Topper Construction. Depending on how old your roof is, and what it is made of, you might have to pay more when it comes to homeowner’s insurance. If your roof is more than fifteen years old, your insurance provider might only pay you back the value of the roof but not take care of the replacement process for you.

Potential Consequences

Once an insurance company extends you a policy for your home, they will want to inspect your roof as well. It’s entirely possible that you could be denied the coverage you’re looking for, or lose the policy you’ve had for years, just because you didn’t maintain your roof in a timely fashion. Trees must be trimmed back, the flashing must be repaired, and vents have to redone as well. Once you have met the maintenance requirements to renew or begin a new policy, then you must provide photographic proof of this to your insurers.

Contact Topper Construction Today!

If you’re interested in having a roof system, siding, or water drainage system installed in your new home, or would like a free estimate, contact Topper Construction. With Topper Construction, you’ll see the benefit of nearly three decades of experience. Contact Topper Construction at 301-874-0220 or email us at if you are interested in learning more. We can help you with projects in Delaware, Maryland, Pennsylvania, West Virginia, and Northern Virginia.


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