Should I tell my insurance company that I got a new roof?
- Timothy Hamilton
- Mar 21
- 2 min read
Why Reporting Your New Roof Matters Your roof plays a critical role in how your home insurance policy is evaluated. A new roof can mean reduced risk for insurers — which may lead to lower premiums and better coverage options for you. Insurers factor in roof age, material, and condition when determining policy rates and potential payouts.
Key Benefits of Notifying Your Insurer
Lower premiums: A new roof reduces the risk of leaks, storm damage, and structural issues.
Improved coverage accuracy: Your policy will reflect the real replacement cost and value of your home.
Avoid claim disputes: Insurers may deny future claims if major home updates aren’t disclosed.
How and When to Notify Contact your insurance company as soon as the roof installation is complete. Most providers accept updates via phone, email, or online portals. Be prepared to submit documentation, such as receipts, material details, or warranties.
Conclusion Yes, you should absolutely tell your insurance company about your new roof. It could save you money, enhance your protection, and ensure a smoother claims process. A quick call today could mean fewer headaches tomorrow.
Yes, you should let your provider know about a new roof. There is a chance that they may offer a discount on your premium, which could help offset the cost of your new roof. Also, if your roof happens to get damaged in the future, your insurance company will want to know how old your roof is.
After you give the company a call, mark down on a calendar all of the future maintenance tasks you are planning to do. Doing an annual roof inspection and cleaning it regularly will help your roof last as long as possible.
Trust your local Roofer
Robert Jones Roofing - Family Owned and Operated
Website :www.robertjonesroofing.com
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