The roof of your home may be the last thing you think about. Out of sight, out of mind, right? Although we don’t put much thought into it, a roof is one of the most important items on your house. A leaky roof can cause damage like mold, rotted framing and sheathing, destroyed insulation and damaged ceilings in little time. That’s why we should be aware of our homes roof condition.

Having a licensed and insured roofing contractor climb up on your roof is great. However, if possible, just going into your attic during rain will allow you to see if there’s any water leaking into your home. An annual inspection should allow you to see water stains as well if you roof has leaks. Some roofs are easily seen from the ground. Curled, cracked or missing shingles should be addressed as soon as possible.

Did you know that with some Insurance Carriers a new roof can reduce your insurance premium? A newer roof is less of a risk for an insurance claim. Older roofs are easier to leak, lose shingles and cause damage to the home when it storms. Also, a new roof can be insured at replacement cost value (RCV) or sometimes called “market value” instead of actual cash value (ACV) where your reimbursement on a claim is depreciated.

If you’re not sure if you have RCV or ACV on your roof, it’s a great time for an Insurance Review. Contact me today for a hassle free no obligation review on your homeowner’s insurance policy.

Bryan McCarty

Trusted Insurance Advisor

Posted 1:17 PM

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