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Should I tell my insurance company I got a new roof?

When you invest in a new roof for your home, it’s natural to focus on the immediate benefits: enhanced curb appeal, improved energy efficiency, and the peace of mind that comes with knowing your home is well-protected from the elements. However, one important step that homeowners often overlook is informing their insurance company about the new roof. Here’s why notifying your insurer is essential and how it can benefit you.

1. Potential for Lower Premiums

Reduced Risk: Insurance premiums are calculated based on the level of risk your insurer associates with your home. A new roof significantly reduces the risk of weather-related damage, leaks, and other issues. By informing your insurance company about the new roof, you may qualify for lower premiums because your home is now considered less of a risk.

Discounts for Upgraded Materials: If you’ve upgraded to a more durable or weather-resistant roofing material, such as impact-resistant shingles or metal roofing, you might be eligible for additional discounts. Many insurance companies offer premium reductions for homes with roofing materials that provide better protection against hail, wind, and fire.

2. Ensuring Proper Coverage

Accurate Replacement Cost: Your insurance policy includes a replacement cost for your home, which should reflect the value of your current roof. If you’ve upgraded to a more expensive roofing material or added features like enhanced insulation or solar panels, the replacement cost needs to be updated. This ensures you’ll be adequately compensated if your roof sustains damage and needs to be replaced.

Avoiding Coverage Gaps: Failing to inform your insurer about a new roof could lead to coverage gaps. For instance, if your policy is based on an outdated roof, your insurer might question the validity of a claim or reduce the payout amount, assuming the roof is still in its previous condition. Updating your insurance company ensures that your coverage is aligned with the actual condition of your home.

3. Smoother Claims Process

Clear Documentation: Notifying your insurance company about a new roof provides clear documentation that the roof is new and in good condition. This can streamline the claims process in the future, as there will be no ambiguity about the age or quality of the roof. Having up-to-date records can expedite claim approvals and reduce disputes over coverage.

Proof of Maintenance: Insurance companies appreciate proactive maintenance because it shows that you are taking steps to protect your property. Informing your insurer about the new roof is a sign of responsible homeownership and can work in your favor if you ever need to file a claim.

4. Protecting Your Investment

Enhanced Value: A new roof is a significant investment that enhances the overall value of your home. By updating your insurance company, you ensure that this added value is recognized and protected. This can be particularly important if you decide to sell your home, as prospective buyers will be assured that the roof is new and fully insured.

Long-Term Savings: Keeping your insurance company informed about major home improvements like a new roof can lead to long-term savings on your premiums. While the upfront cost of a new roof can be substantial, the potential savings on your insurance premiums can offset this expense over time.

How to Notify Your Insurance Company

Contact Your Agent: Reach out to your insurance agent or representative to inform them about the new roof. Provide details such as the installation date, type of roofing material used, and any additional features or upgrades.

Submit Documentation: Be prepared to submit documentation, such as receipts, warranties, and any inspection reports, to verify the new roof’s installation and quality. This information helps your insurer accurately update your policy.

Request an Updated Policy: Once your insurer has all the necessary information, request an updated policy document that reflects the new roof. Review the policy to ensure that the changes have been correctly applied and that any eligible discounts have been included.


Informing your insurance company about a new roof is a crucial step that can lead to lower premiums, better coverage, and a smoother claims process. It ensures that your investment is protected and that you are fully covered in the event of damage. By keeping your insurer updated, you not only safeguard your home but also potentially save money in the long run. So, after celebrating your new roof, take a moment to notify your insurance company and enjoy the added peace of mind.

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