The weather in Birmingham brings plenty of challenges. Heavy rain, hail, high winds, intense heat, and even tornadoes all take a toll on your roof. If your roof is 15 years old or older, it has already experienced its share of abuse. Over time, that wear and tear affects both your home and how your insurance company views your coverage.
Living under an aging roof can lead to home insurance issues you may not expect. As your roof gets older, it becomes a concern for insurers, which can affect what they are willing to cover.
Why the Age of Your Roof Matters to Your Insurance Company
Insurance carriers evaluate risk objectively, and an older roof presents more risk. A roof that is 15 to 20 years old is more likely to be damaged during severe weather, increasing the risk of a claim.
Once your roof reaches a certain age, many Alabama insurance carriers adjust how they handle roof claims. Instead of paying for a full roof replacement, some companies may only pay the depreciated value at the time of the loss. That difference can significantly impact your out-of-pocket costs if a major storm damages your roof.
At Magic City Insurance Group LLC, we have seen many homeowners surprised to learn that their roof is no longer covered as they expected.
Your Older Roof and Birmingham Weather
Birmingham sits in an area known as Dixie Alley, which experiences more severe thunderstorms and tornadoes than much of the country.
Summer heat and humidity also break down roofing materials over time. Spring storms often bring hail and heavy rain. Fall storms can cause additional damage. A newer roof can withstand more of this, but an older one may no longer hold up. Insurers understand this and adjust coverage accordingly.
What You Can Do If You Have an Older Roof
Start by scheduling a professional roof inspection. If the inspection shows your roof is still in good condition, that documentation may help support your insurance coverage.
You can also explore the Strengthen Alabama Homes program. Through this initiative, the Alabama Department of Insurance offers grants to help homeowners upgrade to a FORTIFIED roof. This designation can also qualify you for discounts on the wind portion of your insurance premium.
Review Your Policy to Make Sure Your Roof Is Covered
Understanding the condition of your roof helps you make informed decisions about repairs, upgrades, and your home insurance coverage. Magic City Insurance Group LLC, serving Birmingham, AL, can help you review your policy so you understand exactly where you stand and what steps you may need to take.
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