If you’ve recently invested in a new roof for your home, congratulations! Not only does it enhance the curb appeal and value of your property, but it also plays a crucial role in protecting your home from various weather elements. However, there’s one essential step that many homeowners often overlook after completing a roofing project – notifying their insurance company or carrier about the upgrade.

Why is this notification so crucial? Let’s delve into the reasons:
- Risk Assessment: A new roof significantly reduces the likelihood of damage from leaks, wind, hail, or other weather-related incidents. By informing your insurance provider about the upgrade, they can adjust their risk assessment accordingly, potentially leading to lower premiums.
- Premium Reduction: Insurance companies often offer discounts for homes with newer, more durable roofs because they are less likely to require costly repairs or replacements due to weather damage. By updating your insurer about the new roof, you may be eligible for reduced premiums, saving you money in the long run. You can given get pro rated refund if your roof was replaced in the past.
- Future Savings: Notifying your insurance company about your new roof isn’t just about immediate cost savings. It can also impact your future insurance premiums. A well-maintained roof increases the overall resilience of your home, reducing the risk of claims for roof-related damages in the future. As a result, your insurer may offer more competitive renewal premiums, saving you even more money over time.
- Compliance and Coverage: Failure to inform your insurance company about significant upgrades to your home, such as a new roof, could potentially lead to coverage issues down the line. In the event of a claim, your insurer may question why they weren’t made aware of the updated roof, potentially complicating the claims process or affecting the coverage available to you.
- Non renewal risk: Some carriers are non renewing homeowners policies based on age of roof.
In conclusion, notifying your insurance company about your new roof can lead to immediate premium reductions, future savings, and ensure that you’re adequately covered in case of any unforeseen events.
Want to make sure your roof age is updated? Contact us today! 720-807-9212
Some carriers are providing significant savings for newer roofs. Want to see how your home premium compares to other carriers out there. We can provide a quote comparing multiple different carriers for you.
How do I submit a claim?
If you’re unsure about the specifics of your home insurance policy or the process of notifying your carrier about your new roof, don’t hesitate to reach out to The Mitchell Insurance Team. We are here to make sure that you understand your roof coverage and any potential premium adjustments. We do all the work reaching out to the insurance carrier regarding the roof replacement.
Should I submit a claim?
Before submitting a roof claim. Call us! We are here to guide you when it makes most since to file a claim. We encourage you to have your roof inspected first. Roof inspections are free and we have several reputable companies to recommend if you need guidance. Did you know filing a claim and then deciding to not go forward with the claim can effect your rates in the future?
Do I have the right roof coverage?
Many insurance carriers are increasing the minimum on their wind and hail deductibles. Some are moving to percentage based deductibles. For example 1% wind and hail deductible on your 800,000 house would be a $8000 deductible. We are here to educate on all the options you have for roof coverage.
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