THURSDAY, JUNE 8, 2023
Homeowners must ensure that a roof is stable and in good working order. The condition of a roof often plays a significant factor in determining homeowners insurance rates, as insurers are often hesitant to cover homes with old and damaged roofs. Maintaining your roof and replacing it if it does not function properly is necessary for helping keep homes safe, protected and insurable. 
Being Proactive
Roofs might seem basic on the surface with shingles, gutters and a frame, but they are more complicated than that. Roofs need to be dry and well-ventilated. However, they can trap heat and moisture, often leading to mold, which can be dangerous and create significant issues in homes. Additionally, shingles can trap water, which can cause rot and structural damage.
Hire a professional to inspect your roof before mold or structural damage occurs because once it does, the entire house may be at risk. Conducting routine maintenance and ensuring proper ventilation can help limit potential home damage.
Do I Need a New Roof?
Maintaining your roof can help reduce the likelihood of needing to replace it with a new one for a while. However, this requires routine inspections (especially after severe weather) and maintenance to help avoid substantial issues. A lack of regular care can lead to significant and permanent damage, which may require you to install a new roof—at considerable expense.
Contact our agency for more information on how your roof may impact your homeowners insurance. We can also help you secure the policy that best suits your needs.
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