How Old Roofs Affect Your Homeowner's Insurance

Why Insurance Companies Care About Roof Age

Your homeowner's insurance premium and coverage options are directly affected by the age and condition of your roof. Insurance companies view older roofs as a higher risk because they are more likely to fail, develop leaks, and require claims. Some insurance companies will not provide full replacement cost coverage on roofs that are more than fifteen to twenty years old.

In some cases, homeowners are surprised to discover that their insurance company has downgraded their roof coverage to actual cash value rather than replacement cost value as the roof has aged. This means that if you file a claim, you only receive the depreciated value of the roof rather than what it would cost to replace it today.

How a New Roof Can Lower Your Premium

Installing a new roof can actually result in meaningful reductions in your homeowner's insurance premium. Insurance companies view a new, quality roof as reduced risk. GAF Timberline HDZ shingles with their high wind and impact resistance rating may qualify for additional premium discounts depending on your insurance provider.

A new Roof Replacement in North Georgia is not just an investment in your home's protection. It is an investment that can pay dividends through lower insurance costs over time.

Talk to Roofing Georgia About Your Roof's Age

If you are unsure how old your roof is or what condition it is in, we offer free inspections throughout the region. We serve homeowners looking for a Roofing Contractor Alpharetta GA or Roofing Contractor Milton GA and throughout the Atlanta metro area.



Call us at 770-874-7663 to schedule your free inspection.