How a Flat Roof Can Effects Your Home Insurance Premiums
In this article, we look at the factors in flat roofs and roofs in general that affect your home insurance premiums. The roof is your home’s primary protection against hail, wind, fire, along with other hazards. This is exactly why insurance firms have concerns with regards to the age, condition, material, and shape of your roof and change your price accordingly. Metal Durable and fire resistant, metal roofs are usually the most appealing to your insurance company. Slate/Tile Slate is resistant to fire, rotting, and insects, and needs little maintenance. Tile may crack more easily, but it provides quality insulation and will likely not rot or burn. Asphalt Shingle The most common roof type determined by affordability and comparatively long life span, and often will decay more easily than metal or slate roofs. Wood Comprised of shingles or shakes, wood roofs aren’t fire resistant. Some insurance firms may not cover a wood roof or may need you to apply a fire resistant to get coverage....