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Will My Insurance Go Up if I Replace My Roof?

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Have you experienced roof damage or are you considering upgrading your roof? Many people wonder if getting a new roof will affect their insurance rates.

The first step is to get an inspection and quote from a reputable roofing contractor. Whether you need a little fix or a complete replacement, they will provide you with all of your options and the pros and cons of each approach. You can also ask about which materials offer the most protection in your area.

Keep reading to learn how replacing your roof impacts insurance rates.


When to Call a Roofing Contractor

As with most types of building maintenance, finding and fixing problems early can reduce overall expenses. Sometimes it’s hard to spot roof damage, so having a professional roofing contractor conduct an inspection helps check for problem areas.

A roofing contractor can inspect your roof for any signs of wear and tear, decay, or improper installation. They will also provide you with an estimate for the services they recommend so that you have a good idea of the cost before you commit to anything. It’s usually more cost effective to replace an old roof rather than try to fix it, but the decision is ultimately up to you.

One way to learn more about the process of repairing or replacing your roof is by reading online resources from experts in the field and interviews with homeowners who have been through the process. You can find plenty of information about different types of roofs and what they offer in terms of protection against damage.

Getting an expert assessment can help you make the right decision. The more questions that you ask, the better equipped you will be in making a decision about what type of work you should have done.


Can Getting a Better Roof Lower Insurance Rates?

Upgrades that make your home more damage-resistant can lower insurance rates. Replacing an old roof may decrease your premiums by as much as 22 percent.

Insurance companies base their rates on the calculated risk that you’ll file a claim. Strong roofs have less chance of experiencing leaks, hail damage, or other problems, so choosing sturdier and more reliable materials can also help with reducing your insurance costs.


How Does Filing an Insurance Claim for Roof Damage Affect Rates?

What if you have roof problems and submit an insurance claim? In most cases, filing a claim for damage and repairs temporarily increases your rate. Insurance companies consider several factors when setting your premium.

  • Cost of repairs
  • The type of claim
  • Where you live
  • Your individual claims history


For example, rates are often higher if you live in an area that has frequent serious storms. Significant damage to communities results in greater increases than single property events. The insurance companies can raise the rates when their risk of large pay-outs is more likely.

Claims generally remain on your record for several years. Following the time designated by your insurance company, your premiums may go down, but usually not to the previous rate.


Are You Looking for a Roofing Contractor in Your Area?

Roofing protects your home from damage and can reduce your home insurance premiums. In all cases, you should consult your insurance company about how their company handles claims, rate increases and decreases, and the factors involved in their decisions.

Paying for top-notch roofing materials and labor is a good investment in your home and can help you save money down the road. A professional roofing contractor can assist you throughout this process and help you with making the right choice of materials for durability and weather resistance. 

When it comes time to make repairs or replace your old roof, hire a contractor with a great reputation that specializes in the type of work you want done.


Work With a Roofing Contractor in Southwestern Pennsylvania

AR Remodeling is a roofing contractor based in Uniontown, PA. We’re dedicated to completing the best roof repair and home renovation services. Our company is a trusted service provider for Home Depot, Lowes, and Owens Corning.

Our veteran-owned and operated business never uses subcontractors. We have expert roofing contractors that repair, replace, and handle new roof construction.

In addition to being a highly-rated roofing contractor, AR Remodeling also provides quality siding, gutter, door, window, deck, hardscape, and fence installation.

Get a free estimate today and let us upgrade your home.

About AR Remodeling

AR Remodeling is an experienced, highly rated roofing company in Uniontown, PA. If you’re looking for roofing services in Fayette County, give us a call at (724) 550-3064 and we’ll be happy to help!

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