How Roof Maintenance Affects Your Home Insurance

We see it every day that our roofing is often taken for granted. A great deal of faith is placed in ceilings to simply do what they are intended for, but did you know that the age of your roof, and its maintenance can both affect your home insurance rates?

Though the beautiful area of Sydney definitely has its upsides, it is also highly influenced by high temperatures in some areas, and even the weather rolling off the ocean. The sand, sun, and inches of rainfall can all disturb the safety of your roofing, causing gradual damage to the structuring. If your roof is prone to fire hazards, or made of weak substances, it may also be harder to insure. Additionally, dormant water or severe storms can cause leaks in roofs that are not properly preserved. The older your roof is, and the less retained, the more likely your rates will rise.

How insuring your roof works

Insurance companies will often inspect your roof when writing a policy, mostly when your ceiling is fairly dated. If the age is over 20 years, it may be difficult to get it covered at all, and definitely not without an analysis. Depending on your coverage, insurance often covers accidents, hurricanes, and the like, but for everyday occurrences—such as leaking, cracks, and other issues—it might fall on being your responsibility to handle financially.

What can you do?

First of all, leave maintenance and restoration to the professionals, like the team at Hooky’s Roofing. Our employees are representatives of a premier service for installing the best roof possible for your home. We will make sure that the structuring is in no way susceptible to the elements, and if yours is aging, we can replace it for you. Secondly, have your roof inspected by your insurance agent. If there are any concerns, immediately call us to handle them for you before the issue becomes more prominent.

When your roof is in proper working order and you maintain care and attention frequently, home insurance rates may be lowered significantly. Catching problems while they are small will likely prevent bigger issues further down the track, saving you money in the long run.