If you’ve recently replaced your roof here in Sacramento, congratulations! You’re investing in your home’s safety, value, and long-term durability. But after the work is done and the shingles are settled, there’s one more important step you shouldn’t skip: notifying your homeowners insurance company.
Here’s why it matters — especially in Sacramento.
💰 You Might Qualify for a Lower Insurance Premium
In the Greater Sacramento area, insurance companies closely assess risk based on wildfire exposure, storm patterns, and overall home age. A new roof significantly reduces the chances of water damage and weather-related claims — and insurers love that.
By updating your policy, you could become eligible for homeowners insurance discounts — sometimes up to 35% off, depending on your roof’s materials and durability. In particular:
- Impact-resistant shingles
- Tile or metal roofs
- Fire-resistant materials (a big plus in California!)
All these can lead to serious savings, especially in fire-prone zones like parts of Sacramento County, Folsom, Citrus Heights, and El Dorado Hills.
🔒 Keep Your Coverage Accurate
Home improvements like a new roof can increase your home’s value and decrease its risk. If your insurance policy still lists your old roof, you could be underinsured or overpaying. That’s especially important in Sacramento, where property values continue to climb.
Updating your roof details ensures your policy reflects your home’s current condition — and protects your investment properly.
⚠️ Avoid Future Claim Headaches
Imagine a strong Northern California storm rolls through — not unheard of in the winter — and damages your roof. If your insurance company still has your old roof on file, that could delay or reduce your claim payout.
Documenting the new roof now means faster, smoother claims later.
🧾 What to Send Your Insurance Company
Here’s what to have handy when you contact your provider:
- Installation date
- Type of roofing material (asphalt, tile, metal, etc.)
- Contractor info (especially if Sacramento-based and licensed)
- Any warranties or certifications (like fire or impact resistance)
🏡 Sacramento Tip: Fire-Resistant Roofs Matter More Than Ever
With wildfire risk on the rise in California, many Sacramento insurers are rewarding homeowners who upgrade to Class A fire-rated roofs. This includes certain asphalt shingles, tile, metal, and slate. If you’ve made this upgrade, be sure to mention it — it could significantly lower your rate.
✅ Final Thought
Your new roof isn’t just protecting your home — it could be saving you money too. Letting your homeowners insurance company know is a small step with big benefits.
If you’re unsure whether your current policy reflects your roof upgrade — or want to explore companies that reward home improvements — Eugene C. Yates Insurance Agency is here to help.
Serving Sacramento Since 1946
Let us review your policy for free and help you find the most affordable, comprehensive coverage — tailored to your home, your upgrades, and your goals.
📞 Call us today or request a free quote online.