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Read our blog to discover how to choose the right roofing material for your home. If you're looking for a roofing company, call our team!
When living in Florida, homeowners are always looking for ways to protect their homes from the elements while also saving money. One of the most effective ways to do this is by installing a new roof. Not only does a roof replacement enhance your home’s durability and safety, but it can also significantly reduce your home insurance costs. If you’re considering a new roof, here’s what you need to know about the potential savings and benefits. How a New Roof Affects Your Insurance Premiums Insurance companies determine home insurance premiums based on risk factors, and the condition of your roof plays a major role. An old or damaged roof increases the risk of leaks, wind damage, and structural issues, which can lead to higher premiums. However, a newly installed roof—especially one built with durable, hurricane-resistant materials—reduces risk and can qualify you for insurance discounts. The exact amount you save will depend on several factors, including: • The type of insurance policy you have. • The materials used for your new roof. • The age of your existing roof before replacement. • The type of roof you are installing. Roof Replacement vs. Home Improvements for Savings There are two main ways to improve your roof and potentially lower your home insurance costs: 1. Full Roof Replacement A full roof replacement is the most effective way to secure insurance savings. If your roof is more than 15-20 years old, it’s likely costing you more in premiums. By replacing it with a new, impact-resistant roof, you may qualify for substantial discounts from your insurance provider. Metal, tile, and certain asphalt shingles designed to withstand hurricanes and severe weather are excellent choices for Florida homes. 2. Home Improvements Like Hurricane Clips If a full replacement isn’t in your budget right now, you can still make targeted improvements that enhance your home’s structural integrity and reduce insurance costs. One such upgrade is installing hurricane clips (hurricane ties). These metal fasteners help secure your roof to your home’s structure, reducing the risk of it being lifted off by high winds. Many insurance companies offer discounts for homes equipped with these reinforcements. Talk to Your Insurance Provider Before making any decisions, it’s always a good idea to contact your insurance provider. They can inform you about specific policy details, potential discounts, and any documentation required to qualify for savings. Some insurers may require an inspection or certification to confirm that your new roof meets their standards for a discount. Why Choose Evans Roofing? At Evans Roofing, we understand that every home is unique, and so are your roofing needs. Our team provides expert guidance, fair pricing, and top-quality workmanship to ensure your roof not only protects your home but also maximizes your insurance savings. Whether you need a full roof replacement or strategic upgrades, we’re here to help you make the best choice for your home and budget. Investing in a new roof is a smart decision for Florida homeowners, and with the right materials and construction, you can enjoy both safety and financial benefits. Contact Evans Roofing today for a consultation and let’s discuss how we can protect your home while helping you save on insurance costs!
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