Is it Possible to Get Homeowners Insurance with a Bad Roof?

Home insurance companies consider the roof of a house as one of the most important parts of it. The roof protects you from the elements and from practically anything that could cause you harm. In a way, it also prevents any home insurance claims. For that reason, an old or damaged roof can also hurt your chances of taking out home insurance in Sanford, FL. The more damaged your roof is, the more likely you’re going to have problems within your home that will lead to an insurance claim. That’s exactly what insurance companies don’t want.

Having a bad roof doesn’t necessarily mean you can’t get coverage, though. However, there are things you should know if you want your house to be covered by your insurer.

Can You Get Home Insurance with an Old Roof?
Home insurance in Sanford, FL, covers financial loss due to events such as storms, fires, vandalism, and theft. To help ensure that the items in your home remain safe, insurance companies generally want to make sure that your roof is in good shape. While insurance companies would prefer your home to have a newer roof that could last long and offer more protection, it doesn't mean that you will automatically not be covered if you have an older roof. But getting coverage is obviously going to be more complicated than it is.

Roof Factors That Affect Your Coverage
When deciding whether to cover a home, insurers need to account for the home’s risk of being damaged as well as the company’s risk in protecting that home. Basically, a bad roof offers unreliable protection for you and your belongings. Because of this, home insurance companies might require your home to pass an inspection before you can even qualify for a policy. Based on the results of the inspection, there are several factors that affect your home insurance coverage, including your roof:

• Age - The age of your roof is one of the biggest considerations. As you know, your roof has a lifespan that could last for a couple of decades if well maintained. To encourage policyholders to replace their old roofs, insurers offer new roof discounts.
• Condition - The better your roof’s condition, the lower your premiums are likely to be. If you want to get coverage, it’s better to hire a roofing company to fix and maintain your roof.
• Material - Your insurer will also look into the material used in your roof. Asphalt shingles and wood are materials that are generally prone to damage from animals and fire. Metal roofing will perhaps give you the best chance of being insured as it offers the most protection.
• Shape - Even the shape of the is also considered by your insurers. Since hip roofs offer better protection and can withstand wind and water damage better than gable roofs, they are the preferred choice. Also, flat roofs can and are subsequently cheaper to insure.

Conclusion
Looking at all these factors just shows how crucial it is to maintain your roof. While roof requirements vary by state, it’s still best to keep your roof in top condition to give you the highest chances of being insured.

Sanford Insurance Center offers a range of insurance policies designed to protect your most precious assets. We offer several different homeowner insurance and renter insurance policies to give you all the options you need. Get the best home insurance in Orlando, Florida, only from our company. Get covered today by giving us a call.