Understanding Roof Replacement Costs and How They Affect Your Insurance Rates

Living in the Columbia River Gorge, you know your roof is your home’s first line of defense against environmental hazards like hail, snow and wind.  Because of this, its condition plays a big role in determining your homeowner’s insurance rate.  Here are some key factors to consider:

Age:

New roofs generally get lower rates.  Roofs 20+ year old may not quality for replacement cost coverage. 

Condition: 

Keep your roof in good shape by fixing missing shingles, repairing leaks and removing moss.  A well-maintained roof can lead to better insurance rates.

Shape:

A HIP ROOF (slopes on all sides) is better against strong Gorge winds and can lead to lower premiums.  A GABLE ROOF (2 slopes) are more prone to wind damage and are higher risk.  A FLAT ROOF (no slope) can pool water, and potentially have more damage over time.

Material:

WOOD ROOFS are generally hard to insure due to the fact they are not fireproof without treatment. METAL ROOFS are durable, fire-resistant and are often favored by insurers.  ASPHALT ROOFS are affordable and durable but may decay easier.  SLATE/TILE ROOFS are low maintenance and strong against rot and fire but can crack.

Insurance Considerations:

Homeowners insurance typically covers roof repair/replacement only if damage is from a covered peril (fire, hail, etc.).  Regular maintenance is your responsibility. 

Tips for Roof Maintenance:

(1) get it inspected every few years. (2) Remove debris from the roof. (3) replace worn shingles. (4) document roof health with photos. (5) contact your insurer when you make improvements for potential discounts.

Your roof is important! Make sure you have proper coverage.  Reach out today! 📞 541-399-8001 📧 Email us at hello@crownpointinsurancegroup.com