How Roof Condition Will Affect Homeowners Insurance Rates

Insurance companies across the country are working to keep homeowners insurance both available and sustainable. One of the biggest changes you will begin to see industry‑wide—including the insurers in our agency—is the use of new technology to evaluate the condition of home roofs. Because a home’s roof is one of the most important factors in preventing losses, its condition now plays a bigger role in determining insurance premiums.

Below is a clear explanation of what this means for you and how you can make sure your home is getting the most accurate—and best possible—rate.

Why Roof Condition Matters

Over the past several years, insurance companies have seen significant increases in the cost of roof repairs and replacements. Since 2020, the price of roofing labor and materials has risen more than 35%, and the industry as a whole has experienced large losses in the homeowners insurance market.

Because of these rising costs, insurers must ensure that premiums accurately reflect the risk associated with each property—and a roof’s condition is one of the strongest indicators of future claims.

How Roof Condition Will Now Be Rated

Insurance carriers are beginning to use aerial imagery and other technology to evaluate and classify roofs.

Roofs identified as being in poor or severe condition may see larger premium increases, while roofs in good or excellent condition can qualify for rate benefits (lower premiums).

This change helps ensure that pricing is fair, consistent, and reflective of each home’s individual risk.

Why It’s Important to Tell Us Your Roof Age

Technology can evaluate what a roof looks like, but it cannot always determine how old it actually is.

That’s where you play an important role.

Please notify your insurance agent anytime your roof is replaced or repaired. This helps us:

• Correct any inaccurate condition scores

• Ensure your policy reflects the proper age of your roof

• Make sure you receive any discounts or improved pricing you may qualify for

Many homeowners are already seeing improved rates simply by confirming that their roof was replaced.

How We Can Help You Manage Your Rate

If you receive a renewal with a larger increase, it does not automatically mean you will be stuck with that price. Your agent has several tools to help soften or eliminate the impact, including:

• Confirming the roof condition and age

• Ensuring all discounts are applied (such as mortgage-free discounts)

• Reviewing deductible options

  
  

Our Commitment to You

We understand that the insurance market has seen many changes in recent years. Our goal is to help you navigate these updates smoothly and ensure your policy remains accurate, fair, and competitively priced.

If you have questions about your roof condition, your upcoming renewal, or how to get the best possible rate, please reach out—we’re here to help.