According to the most recent homeowners insurance data, Georgians and Alabamians pay annual premiums of $1,137 and $1,116, respectively, on average. Both numbers are below the national figure, but your insurer may require you to pay more because of your roof.
Due to its ability to safeguard your house and your valuables from the elements, a roofing system can help dictate your homeowners insurance rate.
How so?
Insurers generally focus on three factors when assessing the condition of a roof.
Aesthetics aren’t the only consideration when deciding on a roof configuration.
Choosing a roof type that doesn’t suit your climate may accelerate deterioration. For instance, flat roofs are usually problematic in high-snowfall areas while gable ones are ill-advised in windy places.
If you pick the wrong kind, your insurance company will punish you for it.
The capacity of a roof to resist weather damage depends on the materials of the components.
Asphalt shingles are popular because they deliver decent protection against the weather. But these economical roofing products don’t share the reputation for durability and longevity of slate and metal. Further, any reputable roofing company will attest that the kind of underlayment also matters.
Properly maintained old roofs can still withstand the rigors of weather. But they’re not as credible as flawlessly installed new ones.
The closer your roof is to the end of its lifespan, the more risky it appears in the eyes of your insurer. The only way to minimize your homeowners insurance premium is to keep it in a good state through regular inspections and timely roof repair projects.
Pay attention to the condition of your roof to save on your insurance and be eligible for a payout when the time comes.
For your roof maintenance or replacement needs, contact Superior Roofing for expert advice and quality service. Call us at (706) 322-9032 or (334) 821-8411 to get a free estimate in Columbus, GA, or Auburn, AL.
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