As a homeowner, you understand the necessity of a good roof. Thanks to roofing insurance, you can have coverage for repairs and installations should you need them. However, there are certain stipulations that you must abide by when it comes to maintaining your coverage. In addition, there are factors in your roof that affect your roof insurance coverage. Let's take a look!

1. Age

Make sure you're aware of just how old your roof is. Our experts have found that a roof that is over 20 years old will only be able to receive limited coverage from a roofing insurer. However, that time frame may change depending on the materials that you use. After all, asphalt roofing is known to last about 20 years, whereas metal and slate can last up to 70 years, according to Bob Vila.

2. Location

Location certainly matters when it comes to roofing insurance. Do you live in a climate that is susceptible to major weather patterns from extreme snow storms to hot summer weather? If so, you can expect to be paying higher premiums to counteract the toll that mother nature takes on your home.

3. Type

The type of material that your roof is made from affects your insurance rates due to durability and longevity. As mentioned, This Old House states that materials such as metal or slate can last up to 70 years, and ceramic tile itself can last as long as 100. When you're working with more durable roofing materials that are less susceptible to damage and constant repair, then it's less expensive to insure.

4. Claim History

Your roof insurance is also affected by how many claims you've had to make in the past. If your home has been subjected to multiple claims against roofing insurance, then you can expect to pay more against your premium.

As you can see, there's lots to consider when you're responsible for a roof. Like any other insurance, you have to deal with premiums and claims. Factors such as your home location, roof age, and roof condition can all affect the type of insurance you get and how high that premium will be. That's why it's essential to get the right roofing contractor for expert installations made from quality materials. As a result, you won't have such a pain when dealing with insurance coverage. We're a qualified roofer who is more than happy to assist you with the roofing services you need. We can also help you handle your insurance claim. Contact Ultimate Improvements today for more information.