How to be Roof Smart in this Hard Insurance Market

Investing in regular roof maintenance and using high-quality materials can help you avoid the inconvenience of unexpected repairs.  Addressing the minor issues and keeping your roof in good condition can extend its lifespan, prevent costly repairs and help maintain your home's structural integrity.  In this current hard market, underwriting is really tightening their guidelines and most carriers are looking for a roof 15 years old or less.  

Identify issues early on so that they can be addressed promptly.  Look for staining, lifting, cracking, missing or loose shingles, and damage from trees and moss growth, then promptly address the issues.  In addition, seasonal upkeep can prolong the life of your roof such as cleaning gutters and trimming overhanging branches.

Roofing materials can impact durability and insurance costs.  Here are some pros and cons of various roof types.

Asphalt Shingles
Pros: Affordable, widely available, easy to install.  Variety of colors and styles.
Cons: Moderate lifespan, may be prone to deterioration, decay and damage from extreme weather conditions.

Metal Roofing
Pros: Long lifespan, durable, fire-resistant, insect-resistant, rot-resistant, recyclable, energy-efficient.
Cons: Higher initial cost than asphalt shingles.  Noisy during heavy rain or hail.

Wood Shingles or Shakes
Pros: Long lifespan, natural appearance, good insulation properties.
Cons: Vulnerable to fire, require regular maintenance (e.g., sealing, replacing damaged shingles).

Clay or Concrete Tiles
Pros: Durable, long-lasting, fire-resistant, energy efficient, available in various styles.
Cons: Heavy, may require additional roof support.  More expensive than asphalt shingles.


If you have any questions or would like some guidance with your home insurance policy, we are happy to help!