Is Your Roof Covered?

Your house is the most important material possession you have in life. It is where you eat, sleep, and, raise your children. It’s where your life really takes place. In those four walls and a roof, life happens, so it is the job of every Nashville homeowner to make sure that they protect their family and their home by getting good homeowners insurance. But what do insurance companies see when they look at your home? Well for the most part, the insurance companies see your roof, and the durability and characteristics of your roof can have a huge impact in their price for your Nashville homeowners insurance.

It makes sense. The roof is probably the most important part of your house’s construction. It is also the part most vulnerable to damage. When an insurance agent inspects your home, he or she will often spend a good portion of his or her inspection deciding if your roof is a liability or an advantage when it comes to covering any possible catastrophes. Whether your roof is a plus or a minus for the insurance company varies wildly depending on where you are, what type of roofing you have, how old your roof is, and how soundly it was constructed. For example, if you live in an area around Nashville with a high risk of wildfires, insurance companies may refuse to cover you if you have a highly flammable wood shingle roof. If you live in an area with icy winters, you may be dinged for having clay tile roofing that is not good at supporting heavy snowfalls. After an inspection, the insurance agent might deem your home’s structural support inadequate for the weight of a heavy roofing material and suggest replacing it with lighter roofing.

Anything can happen, and it is incredibly important to listen to your insurance agent when they tell you the possible liabilities in your house. Without insurance, a homeowner risks a great deal. If a disaster happens in Nashville, they will be forced to pay the damage out of pocket, and unless you are Warren Buffett, you probably can’t afford that.

Your insurance provider may insist that you replace or repair certain parts of your roofing. When calculating replacements costs, it is good to use the standard rule of thirds, meaning you can plan on paying one-third for materials, one third for labor, and one-third for the contractor. These costs will help you get an idea of how much you’ll be on the hook for paying when your insurance company starts demanding that you replace your rickety roof with something they can sanely insure.

Even if your insurance company does not have a problem with your roofing, it is still a good idea to check with your homeowners insurance company before you start doing any repairs or maintenance on your roof to see if there are any no-no’s that might cause the company to raise your premium. One thing is for certain, make sure your home and your roof are insured by a local Nashville company. There is nothing worse in life than being unprepared. The good news is that at Nashville Roofing Experts we work seamlessly with your insurance and take the stress off you!