Why Insurance Companies ask about your roof

Insurance and your roof

If you are a homeowner or are looking to purchase your first home, you’ll find a lot of emphasis on the roof. As one of the most important structural elements of the foundation, the roof holds center stage. When there is a storm or any type of inclement weather, the roof is your first line of protection. Matter-of-fact when it comes to insurance and your roof you will be asked by the insurance company how old is your roof.

insurance companies place a high emphasis on the condition and quality of your roof when they quote your homeowner’s insurance policy.


Since the roof is your first line of protection, it essentially protects you, the family and all your belongings. In any weather, the roof is usually the first thing that will be affected. If your roof is having problems, the effects of that inclement weather can get into your home, causing a lot of damage. That damage will have to be fixed, along with items that will have to be replaced, so you’ll end up filing a claim.

Should homeowners use insurance to replace a damaged roof? Once you file that claim, the insurance company goes through a process, assessing your risk level. Your rates are based on that level. If you are deemed high-risk, your rates will be higher. If there are any deficiencies in your roof, the insurance company will automatically assume you will be filing a claim, affecting the rates you are quoted for homeowners’ insurance.


Some factors go into how a roof is assessed. They look at the age of the roof, whether or not there have been claims filed against it, and of course, the type of materials used for the roof. Insurance companies look at the kind of roof you have and the climate you live in to make initial assumptions. These are the most common:

  • Tile
  • Asphalt
  • Slate
  • Metal
  • Wood Shakes

Some of these types have more longevity than others, which can help offset the costs of covering your home. Metal roofing may start out expensive, but they save energy and bring down the costs of insurance because of their longevity. Wood shakes have high maintenance and only have a 15 to 20-year lifespan. Adding a fire retardant coating helps, but a policy for a roof of this type is very, very expensive.


There are a few ways you can lover the cost of insurance, including choosing Insurance and your roofthe right roof materials for your climate, getting it properly installed, keeping up with the maintenance, ensuring you have all your paperwork in order, and picking the right insurance company to provide your coverage.

As you can see roofing systems, whether residential or commercial, is one of the integral components of a building. While preventative steps can be taken by installing weather-resistant roofs and a host of other measures, roofs do get damaged by hail, high winds, and storms. It is, therefore, important to get roof insurance cover to mitigate any losses resulting from roof damage


  • What does my insurance policy cover
  • If damaged how can I get a new roof from insurance
  • Can an insurance company withhold depreciation
  • What if the Contractor’s estimate is higher than the adjusters
  • Will my insurance company increase my rate if I file a roofing claim

Pete has the answers.

Feel free to contact me with any questions that you might have!

Contact Pete by email.

Contact by Phone: (508) 997-3321

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