Insurance companies pay close attention to the roof of a home when underwriting a homeowners’ insurance policy. Of course, if your roof is in the best possible condition, you will qualify for ideal coverage at the most affordable price. However, a bad roof does not necessarily mean that you will not be able to obtain adequate coverage for your home.
If you have questions about insuring a home with a bad roof, Giles & Iten Insurance of Surprise, AZ is here to help. In fact, we take the time to work with every homeowner to ensure they get the best possible coverage for their unique home.
Homes With an Old or Damaged Roof
Insurance companies prefer homes to have newer roofs, but you will not automatically be denied coverage just because your home has an older roof. With that being said, the older the roof is, the more difficult it will be to get homeowners’ insurance coverage.
The reason for this is that an older roof is a greater risk, which is what insurance companies like to avoid. A roof that is damaged or worn is more likely to cause problems that will lead to claims.
Time for a Roof Replacement
The condition of the roof on your home will have a significant impact on the amount of money you will have to pay for homeowners’ insurance. If your roof is considerably old or has sustained damage, it may be worth it to invest in a professional roof replacement. Take the time to weigh the cost of a roof replacement with the additional expense of insuring a bad roof.
If you are unsure if you need to replace your roof before applying for homeowners insurance, contact Giles & Iten Insurance of Surprise, AZ. Our team will be glad to address all of your concerns. Give us a call today.