When homeowners start considering upgrades, a new roof may not always top the list—but it should. Not only does a roof replacement improve the safety and value of your home, it can also lead to significant savings on your homeowners insurance. If you’re wondering whether a new roof can lower your premium, the short answer is: yes, it absolutely can.
At Eugene C. Yates Insurance Agency, we’ve been helping Sacramento homeowners save on insurance for over 75 years. Here’s what you need to know about how a roof replacement could benefit both your home and your wallet.
Why Insurance Companies Reward New Roofs
Insurance is all about risk. The newer and more secure your roof is, the less likely you are to file a claim for damage caused by storms, leaks, or structural failure. That lower risk often translates directly into lower premiums.
Here are a few reasons why insurers offer discounts for new roofs:
- Less Risk of Damage: Older roofs are more susceptible to leaks, mold, and collapse. New roofs drastically reduce the chance of a costly claim.
- Up-to-Date Building Codes: A roof replacement usually brings your home up to current safety standards.
- Advanced Materials: Today’s roofing materials are more resistant to hail, fire, and high winds—exactly the kind of hazards insurers worry about.
- Storm-Resistant Upgrades: Many roofing systems now include impact-resistant shingles or hurricane straps, qualifying you for special discounts.
How Much Can You Save?
While savings can vary, many homeowners see a reduction of 5% to 35% on their annual homeowners insurance premium after installing a new roof.
The exact discount depends on:
- Your insurance carrier
- The type of roofing materials used
- Your home’s location and exposure to weather risks
- The age and condition of the previous roof
What to Do After Installing a New Roof
To make sure you get the discount you deserve, follow these steps:
- Inform Your Insurance Agent: Let your insurance company know as soon as the work is done.
- Submit Documentation: Provide receipts, permits, and any certifications for materials used (especially if they are impact- or fire-resistant).
- Request an Inspection (if needed): Some insurers require a roof inspection before applying the discount.
- Review Your Coverage: A roof upgrade is a great time to reevaluate your homeowners insurance for gaps or opportunities to save.
Thinking About a Roof Upgrade? Let’s Talk Savings.
If you’re planning to replace your roof or recently completed one, reach out to an agent at Eugene C. Yates Insurance Agency. We work with the top-rated insurance carriers in California and know exactly which companies offer the best discounts for home improvements like roofing.
Let’s make sure your new roof is protecting more than just your home—it should protect your budget too.
📞 Call us today for a free quote or policy review.