What exactly is considered when homeowners insurance premiums are calculated? There are many factors that go into this, but the condition of your roofing system is a big one.
How Much Risk Do You Pose?
Homeowners insurance policies are designed to protect homeowners from expenses due to weather damage. In general, the level of protection you get is proportional to the amount of your premium. For example, if you choose the most comprehensive insurance policy available, you can expect to pay higher premiums because you have access to significant protection.
Your roof’s condition comes into play when premiums are calculated, because this tells the insurance company how much risk you pose. The higher the risk you pose, meaning the higher the likelihood of a payout, the higher your premiums are. Premiums are also likely to be high in areas that experience frequent severe weather events.
Making the Most of Roofing Insurance
Nobody ever plans to file an insurance claim, but when the need arises, you want to make sure to take full advantage of what your policy has to offer. This is where regular roofing maintenance and a good roofing company comes into play. By making sure your roof is sound, it’s easier for you to prove that the damage wasn’t your fault.
Need insurance claims assistance? Wilson Roofing is the roofing contractor to trust for all your needs. To learn more about what we can do for you, simply give us a call at (512) 263-3157 or fill out our contact form. Schedule a FREE estimate today! We serve Austin, TX, and the surrounding communities.