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Roofer Installing New Roof ShinglesMany people underestimate the impact that a roof has on their home's safety and value. Roofs protect your home's contents, the home's structure and your safety.

As a roof ages, it puts your home at risk of damages. The standard roof usually lasts around ten years. At that time, most construction experts recommend you replace your roof.

How Roofs Impact Insurance Rates

An older roof imposes a risk on your property insurance. Because of this, insurance companies are now offering many incentives for you to replace your roof.

Property insurance usually covers roof damages. However, preventing roof damages should be a big priority for owners. New roofs greatly reduce threats to your home. Your home insurance company may be able to offer you discounts on your coverage when you get a new roof.

Why Strong Roofs Benefit Homes

A strong, durable roof is a very important part of your home.
  • The roof protects your home's interiors from damage. A leaking or damaged roof might cause moisture, debris and animal infestation. These threats could lead to mold, termites and other damages — all of which put your health and the safety of your belongings at risk.
  • The roof is a valuable part of the structure of the home. A properly engineered roof helps stabilize the home's structure. It also helps direct harmful items like rain and debris away from the structure. As a roof ages, its structural integrity may weaken, thereby increasing risks.
  • A new roof benefits your home's overall atmosphere. It might help you save on insulation costs. For example, you might overuse your HVAC system because of a faulty roof that doesn't insulate the home. Straining your HVAC system could mean risks to that system as well as the rest of the home. By putting on a new roof, you better regulate the home.
  • Your new roof can greatly increase property value and energy cost savings. This makes your home much more valuable and insurable in the eyes of an insurance provider.
If you plan to install a new roof, work with a skilled contractor to institute the changes. Only make modifications that abide by local building codes. Also use reliable engineering and strong materials that can withstand local weather conditions. The better you reinforce your roof, the better your insurability.

Talk to your home insurance agent before you install a new roof. He or she can talk to you about any special insurance requirements for new engineering. They might also offer you discounts.

TCU Insurance Agency can help you get an insurance policy that takes your new roof into account. Call us at (800) 772-8043 for a free home insurance quote.
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