Ways to Save on Insurance with Your Roof. Every Jackson, MS homeowner is constantly hunting for ways that allow saving money while protecting home and family. Insurance is one of the factors that represent a significant cost. But, this is so important that we must consider it unavoidable.
However, despite homeowners’ insurance may be expensive; you still can find ways to save on your premium. Did you know that your roof could help?
You can deduct these savings from your homeowners’ policy. Did you know that the wind section of your policy means more than 50 percent of your annual premium expenses? Yes, it is.
Indeed, many homeowners had considerably reduced their yearly insurance charges. What did they do? They only performed some improvements to their roofing system.
Below, we will show you those money-saving roofing improvements.
Save Money by Installing a New Roof
A recently installed roof will provide good performance and should not give you problems for a considerable time. On the contrary, an old roof will tend to have leaks, lost shingles, and accumulated wear and tear. Thus, if your roof has around 20 years or more, an insurance company will consider it risky since you will likely fill a claim after any severe storm. This situation translates into a costlier insurance policy for you with limited coverage.
Do you live in a region where it rains a lot, and strong winds are usual, such as Florida? Then, employing impact-resistant roofing materials is a wise investment. Besides keeping you safe, they will make you save money.
Likewise, your insurance costs would be lower by installing a roof with this type of material. For example, metal roofs work great in a state like Florida. Actually, they are more and more popular among Florida residents because of reasons such as:
• Metal roofs are the roofing material that provides the highest wind resistance rating
• They do not absorb water or moisture
• Metal panels will not crack or peel due to the sun’s rays.
These features will make a roof a lower risk option for insurance providers. Moreover, they are fire-resistant and improve significantly your home’s energy efficiency.
Do you love the asphalt shingles roof aesthetic? Many homeowners think the same. If you are one of them, you can opt for a product that offers further wind resistance like Owens Corning Duration Shingles. These shingles use SureNail Technology, which makes them more durable and resistant against heavy winds.
Schedule a Wind Mitigation Inspection
The Florida State requires insurance companies to give discounts to those clients that protect their homes against windstorms damage.
These discounts are called wind mitigation credits. You can obtain them by conducting a certified inspection of your home. The credit will be in force for five years. The best part is that it will save you hundreds of dollars on your insurance premium every year.
The inspector will visit your home to verify if it has some elements that will make it more resistant to storm damage. These inspectors look for eight key safety factors, and one of them is weather-resistant underlayment.
Synthetic underlayment represents an additional barrier against roof leaks. It binds to the roof deck and works as an extra shield if heavy winds blow off some shingles.
Here are the rest of the factors your inspector will look or during a wind mitigation inspection:
• Roof Shape and Bracing of Gable End
• Roof Deck Attachments
• Roof Covering
• Protection of Openings (such as windows and glass doors)
• Roof-to-Wall Connection
• Doors
Do you want to know how these savings would look on your home? Go online to the state’s insurance saving calculator. It’s one thing to have a great new roof but it’s even better to have a new residential roofing system and save money on your insurance at the same time.
Besides, if you have any questions about wind-resistant roofing materials, call Watkins Construction & Roofing today at 601-966-8233 for all your roofing needs in Byram, Pearl, Clinton, Ridgeland, Clinton, Brandon, and Jackson, MS.