How Much Does Insurance Go Up After New Roof

How Much Does Insurance Go Up After New Roof?

Installing a new roof can significantly increase the value and curb appeal of your home. It also provides added protection and security for your property. However, many homeowners wonder how much their insurance rates will increase after installing a new roof. In this article, we will explore the factors that influence insurance premiums and discuss the average increase homeowners can expect. Additionally, we will address some frequently asked questions regarding insurance rates and new roofs.

Factors Influencing Insurance Premiums:

Several factors can influence the increase in insurance premiums after installing a new roof. These factors include:

1. Roofing Material: The type of roofing material used plays a significant role in determining insurance rates. Materials that are more durable and resistant to damage, such as metal or impact-resistant shingles, may result in lower insurance premiums.

2. Age of the Roof: Older roofs are more prone to damage, leaks, and other issues. Installing a new roof can reduce the risk of claims and potentially lower insurance rates.

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3. Geographic Location: The location of your home also affects insurance rates. Areas prone to severe weather conditions, such as hurricanes or hailstorms, may have higher insurance premiums.

4. Roofing Contractors: Hiring reputable and certified roofing contractors can positively impact insurance rates. Insurance companies often prefer working with contractors who follow industry standards and safety regulations.

Average Increase in Insurance Premiums:

On average, homeowners can expect their insurance premiums to increase by 5% to 20% after installing a new roof. The actual increase depends on various factors, including those mentioned above. Homes with older roofs or those located in high-risk areas may experience a more significant increase in premiums.


1. Will my insurance cover the cost of a new roof?

Insurance coverage for a new roof depends on the reason for replacement. If the roof is damaged due to a covered peril, such as a storm or fire, the insurance company may cover the cost. However, routine maintenance or wear and tear are typically not covered.

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2. Do I need to inform my insurance company about the new roof?

Yes, it is crucial to inform your insurance company about any changes or improvements made to your property. Failure to do so may result in coverage issues or even denial of claims.

3. Can I shop around for better insurance rates after installing a new roof?

Yes, it is always recommended to shop around and compare insurance rates. Many insurance companies offer discounts for homes with new roofs or certain types of roofing materials.

4. How long will the new roof impact my insurance rates?

The impact of a new roof on insurance rates may vary. Generally, insurance companies consider the age of the roof, and rates may gradually decrease as the roof ages.

5. Will my insurance rates decrease if I upgrade to an impact-resistant roof?

Yes, upgrading to an impact-resistant roof can potentially lower your insurance premiums. These roofs are designed to withstand severe weather conditions, reducing the risk of damage and claims.

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6. Can I get a discount if I install a roof with additional safety features?

Yes, some insurance companies offer discounts for roofs with additional safety features, such as hurricane straps or fire-resistant materials. It is advisable to check with your insurance provider to see if they offer such discounts.

7. Can I negotiate my insurance rates after installing a new roof?

While negotiating insurance rates can be challenging, it is not impossible. It is essential to gather quotes from multiple insurance companies and leverage these quotes to negotiate better rates.

In conclusion, installing a new roof can increase your insurance premiums, but the extent of the increase varies based on several factors. It is advisable to inform your insurance company about the new roof and explore options for potential discounts. Shopping around and comparing rates can help you find the best insurance coverage at the most affordable price.

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