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Protecting your Investment: Why your Roof Matters for Homeowners Insurance

When it comes to safeguarding your home, your roof plays a crucial role.  Not only does it protect your home from the elements, but it also impacts your eligibility and rates for your homeowners insurance.


Insurance companies often prefer roofs that are newer, typically under 10 years old.  Why?  Because a newer roof is less likely to have pre-existing issues or require major repairs, reducing the risk to the insurer.

Here’s why your roof’s age matters:

1.      Reduced Risk to Damage: Newer roofs are less susceptible to damage from weather and wear and tear, meaning fewer claims for insurance companies to worry about.

2.      Enhanced Safety and Security: A well-maintained, newer roof provides better protection for your home and its contents, giving insurers peace of mind.

3.      Lower Premiums: Insurance companies may offer lower premiums for homes with new roofs since they post less risk of costly claims.

If your roof is approaching the 10-year mark or showing signs of wear, it might be worth considering an upgrade.  If you want to prolong the life of your roof here are 6 simple things you can do.

1.      Give it the once over: keep an eye out for busted shingles, worn flashing, sneaky moss, or any signs of indoor leaks.  Spotting trouble early can save you major stress later.

2.      Save Cash: Fix those little issues now before they become bigger problems.  Keep those gutters clear and seal up any leaks.

3.      Stay Efficient: A well-maintained roof contributes to better energy efficiency in your home.  One way to ensure energy efficiency is to check for gaps or cracks that may affect insulation and ensure that vents and chimneys are unobstructed.

4.      Fight the Drip: Water is the number one enemy for your roof.  Check for leaks, secure flashing and make sure those drains are flowing free to fend off mold and rot.

5.      Weather the Storm: Roofs are exposed to numerous weather conditions throughout the year, including heavy rain, hail, and strong winds. Fortunately, regular maintenance strengthens your roof's ability to withstand these elements. Trim back any branches that could cause trouble during storms and make sure your roof can handle our heavy rain, hail and gusts in the Gorge.

6.      Call in the Pros:  While keeping an eye on things yourself is smart, a pro inspection can catch issues you might miss. 

Remember, investing in your roof today can pay off in the long run!

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