Replacing Your Roof? Remember Your Home Insurance in RI!

March 02, 2012

Home roofs usually tend to last quite a number of years. However there’s likely to be at least once or twice in the life of every home, when the roof will need to be replaced. While you may not have considered the impact of a new roof on your home insurance, RI homeowners would be wise to consider the following.

Any change or addition you make to your home may impact on your home insurance. At a basic level, if the changes increase the amount it would cost to rebuild your home after a disaster then you may want to increase the value of your home property insurance. Not all changes mean more costs however; in fact, there are a number of decisions you might consider which may even reduce your premiums.

As an example, a homeowner who lives in an area prone to hail storms or other wild weather might choose to replace his/her roof with wind-resistant or hail-resistant sheeting. This in general may reduce the risk of an insurance claim as a stronger roof is less likely to suffer damage from a storm. Lower risk customers may also be eligible for a better price on home insurance premiums.

Would you like to know more? Then be sure to consult your agent with home insurance in RI who should be able to assist with quotes and general tips on insurance saving options.