Throughout our years of performing roof maintenance, one question we frequently get asked is, "Will a roof inspection affect my insurance?" The answer is maybe, and it mostly depends on your insurance company. Here's what you need to know:
Why a Roof Inspection Might Impact Your Home Insurance
For decades, insurers paid relatively little individual attention to roofs. They simply evaluated a property's value based on its official appraisal. However, in recent years, this has begun to change. Insurers noticed that they were often paying for repairs on roofs that were already heavily damaged. If, for example, there was a hailstorm and it did damage to a twenty-year-old roof, the insurer would usually end up paying to replace the roof – even if it was already in poor condition, prior to the storm.
So, in recent years, some insurers have begun asking for a roof inspection from a reputable roof maintenance company – particularly if the roof is over a decade old. They use this inspection to form a basis for the roof's actual cash value. If it was in particularly bad shape, they might even deduct its value from the whole property value, under the belief that the bad roof would end up contributing to property damage.
Usually, these inspections – if required – are only asked for upon first signing up for a policy. However, some insurers may be more aggressive about the matter, asking for updated inspections periodically.
Should You Get a Roof Inspection?
Roof maintenance is essential to any home. Issues with insurance aside, a leaky roof increases your heating and cooling bills, and creating moisture that encourages mold growth in your home. The best time to schedule a roof inspection is now. Roof repairs can become more expensive as time goes on and issues increase. It’s better to fix minor problems now, rather than putting them off. Ensuring that your roof is in excellent condition will also give you leverage to negotiate a potential lower insurance rate.
Schedule Your Roof Maintenance Today
First Quality Roofing & Insulation is the leading roof maintenance company in Las Vegas. During our 17-point roof inspection, we’ll be able to identify any damage to your roof, and recommend and perform the necessary repairs. In addition, we offer full, ten-year warranties on our roof replacements. Contact us at 702-262-7847 today!