Typically homeowners aren’t excited about getting a new roof. It’s a large project, even if insurance is covering the majority of the cost you still have deductible, the mess, and the decision on what kind of roof to install? However, there is some good news when getting a new roof that you should keep in mind when the time comes.
The type of roof matters, so for this article we will be discussing the best options in Southern Indiana and Tri-State area. So, for most residential applications, I recommend the Owens Corning Duration shingles. However, if your choices are between 3Tab Shingles or Dimensional/Architectural shingles, always go with the latter. 3 Tab shingles are a dated option and do not last as long as a good dimensional product.
Once you deal with the headaches, clean up, and finding nails for the next few years, remember the biggest positive!
Homeowners should see a decrease in premiums or increased coverage after installing a new roof. Typical insurance carriers will depreciate the payout on a roof claim, due to the age. This depreciation can start as soon as 6 years old, so it’s important to know what kind of coverage you have. Now that you have a new roof, full replacement cost coverage should be available.
In addition, its possible your premiums should go down, as the risk for a claim has decreased with the installation of a new roof. So, when weighing the decision on whether or not to spend the money on replacing the entire roof or just repair, check with your insurance agent first. Your home may now qualify for deeper discounts or at least better coverage.
