Often times when you have an older roof (20+ years old) it will be difficult to secure a new homeowners insurance policy or even renew your current home insurance policy. Most homeowners insurance companies have pretty strict guidelines when underwriting a home that may be a little older.
The roof of your home protects your family and the contents within the home from exterior elements that can cause damage and wear. Because of this fact your homeowners insurance company may look at the roof of your home as an important piece to whether or not they can insure you.
If it is within your budget to repair your roof, this may be the easiest way to renew or get a new homeowners insurance policy. If that isn’t something within your means you still have a few options to consider.
Get a Good Roof Inspection
You’re going to want to get a roof inspection first. The inspector will check for leaks, damage, and signs of deterioration. As they take a look at the roof ask for recommendations of repairs that may help when it comes to renewing your policy. In a perfect world a few repairs may put you in a position to save money versus completely replacing the roof.
Ask Your Insurance Agent to Shop Around
Getting a good homeowners insurance policy sometimes comes down to calling an experienced homeowners insurance broker that has access to several home insurance companies. We just so happen to know one of the best home insurance brokers in Sacramento California. You guessed it, Eugene C Yates Insurance Agency! Give us a call today for all of your homeowners insurance needs. Our agents are nice and they love to give out great rates on homeowners insurance! Call now 916 313 6100.
Have Eugene C Yates Insurance Agency Look Into Your Options
If you can’t repair your roof you still may have options available, although they may come with higher premiums and costs. The easiest way to find out what options you have available is to get in contact with one of our home insurance specialists. They’re available Monday through Friday from 9 am to 5 pm. This route may come at a higher cost but if it’s your only option it’s worth it to look into.
Can I get homeowners insurance with a subpar roof?
Whether or not you can get homeowners insurance with a bad roof really depends on the condition of the roof. If it’s only aged or has a couple small issues, you may be able to get homeowners insurance. If you’ve been denied coverage you may want to look into insurance companies that offer flexible underwriting. On occasion you can find homeowners insurance companies that specialize in insuring homes with a roof in poor condition.
Typically companies that do offer homeowners insurance policies for homes with a bad roof, come with higher premiums and costs. In addition, the coverage may be less than that of a normal homeowners insurance policy.
Homeowners Insurance Roof Requirements
Often before approval for an insurance policy, the insurance company will perform an inspection on the home and the roof. The data they gather from the inspection will be used in determining your home insurance rate. This can be common practice when it comes to the renewal of your policy as well.
There are a few things you’ll want to keep in mind when it comes to your roof. We go over a few of them below.
The Age of Your Roof
If you have a roof that is over 20 years old you may run into issues getting a homeowners insurance policy. On the positive side, if you have a new roof, you may qualify for a lower rate. Ask an agent if you qualify for a new roof discount!
The Condition Your Roof is in
This should be pretty obvious, if your roof is in great condition you may be in line for lower homeowners insurance rates. Any roof older than 20 years old is inspected very carefully and treated very differently as well. Although, if the roof is under 20 years old and in excellent condition this may be something the insurance company can work with.
The Type of Roof You Have
The type of material your roof is made with could play a factor in how the insurance company views issuing you a policy. This may also affect home insurance rates. Insurance companies often look at the risk associated with the policy. A roof made from wood may seem like a fire hazard, where as a metal roof may be viewed as having more stability.
If you have additional questions regarding homeowners insurance in Sacramento, please feel free to contact one of our wonderful agents. We’re nice people & we have great rates! Call us today 916 313 6100.
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