How a Reroof Can Protect Your Ability to Get Homeowners Insurance
When it comes to protecting your home, few things are as important as both a solid roof and a solid insurance policy. What many homeowners don’t realize is that the condition of your roof can directly impact your ability to obtain or renew homeowners insurance—and that’s where a reroof becomes not just a smart investment, but a necessary one.
Because mountain roofing is all we do, our team of industry leaders is always looking for innovative ways to combine mountain-specific designs, sturdy materials, and quality craftsmanship to build and maintain roofs that are meant to withstand extreme, high-altitude conditions, such as high winds, subzero temperatures, and the Rocky Mountain snowfall.
Doing business with us guarantees time and value to your roof, while our ‘building science’ approach gives you peace of mind. The Roofing Company is a Family-Owned, Award-Winning roofing company with 49 years + of experience.
Why Insurance Companies Care About Your Roof
Insurance companies see your roof as the first line of defense against costly claims. A worn-out or aging roof increases the risk of leaks, water damage, mold, and even structural issues—liabilities that insurers want to avoid. In many regions, especially those prone to wind, hail, or heavy snow, the roof is one of the most heavily scrutinized parts of the home during an insurance evaluation.
Common Issues That Raise Red Flags
- Age of the roof: Most insurers won’t cover roofs over 20 years old.
- Visible damage: Cracked, curling, or missing shingles signal risk.
- Outdated materials: Some older roofing materials are no longer code-compliant or considered fire-resistant.
- Patching and past repairs: Multiple spot repairs can indicate a history of ongoing issues.
How a Reroof Helps Secure or Renew Insurance
Replacing your roof not only restores your home’s safety and value—it also gives you leverage when dealing with insurance providers:
- Meet insurance standards: A new roof helps meet underwriting requirements, especially if you’re applying for a new policy.
- Avoid denial or cancellation: If your roof is deemed uninsurable, a reroof can prevent policy denial or non-renewal.
- Lower premiums: Many insurers offer discounts for impact-resistant or fire-rated roofing materials.
- Smooth claims process: A new roof eliminates pre-existing damage, making future claims clearer and easier to process.
Final Thought
If your roof is approaching the end of its life, don’t wait for an insurance issue to force your hand. A reroof is a proactive step that safeguards your coverage, your home, and your peace of mind. It’s not just about replacing shingles—it’s about protecting your eligibility for homeowners insurance now and in the future.
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Contact our team at 970.887.0104 or email sales@theroofingco.com