Insurance Discounts Available From Roof Updates
When buying a house, it’s possible that home insurance discounts may not even cross your busy mind. However, as you know, purchasing homeowner’s coverage is one of the most important decisions you’ll make while owning a home in South Florida. Since our state’s weather can be severely destructive, it is critical for you to do your homework and select an insurance policy that will protect your home in the event of a major storm or another serious emergency.
Did you know you may be eligible for a new roof insurance discount when hiring Kairos Roofing contractors to handle your service? Reductions are available to some homeowners because installing a new roof can make your home less of a risk in the eyes of your insurance company. In fact, homeowners insurance discounts can help mitigate the cost of your new roof, especially in the long run.
Your Roof Life’s Impact on Home Insurance Discounts
You may be wondering how to qualify for a new roof insurance discount if you need a roof replacement. However, this begins with examining your roof life. Think of it this way: If your roof is nearing the end of its life, it may be more susceptible to damage caused by wind, falling trees, thunderstorms and other events. In the mind of your insurance agent, an older roof is a riskier roof and one that could possibly result in the company paying out an expensive claim in the near future. As such a new roof could save you money in the long run. Though you will spend money investing in the new roof, you will receive some of that investment back in the form of a lower homeowner’s insurance premium for replacing your roof, instead of waiting on an incident that will require filing a costly claim.
Homeowners Insurance Discounts for Hurricane Straps
Another way to earn residential homeowners insurance discounts is by installing hurricane straps on your South Florida home. Hurricane clips will help strengthen your home in the fight against the high winds that accompany hurricanes. These straps are typically installed during the construction process for a new home; however, your older home may have been built without them. Don’t worry, installing hurricane tie down straps in older homes is a simple and easy process for our experienced roofing contractors at Kairos Roofing to tackle, and can be done simultaneously while replacing or servicing your roof. Installing hurricane straps cannot be completed by every roofing company, in order to correctly install hurricane straps to Miami Dade Code standards, South Florida Roofers must hold a Contractors License. Kairos Roofing not only holds all the necessary licenses, but is also very experienced at installing hurricane straps. Contract us today to get a quote.
Other Ways to Get Home Insurance Discounts
Reductions on homeowner’s insurance are available beyond installing new roofs and hurricane straps. Wind mitigation discounts, for example, are also common in South Florida. Insurance companies may offer you a discount for installing upgrades or making modifications to your home, so it is more resistant to damage caused by high winds. This could include changes to doors and windows, as well other parts of your home. After you make these changes, your insurance company may want to perform an inspection of your home. Wind mitigation premium discounts in Florida vary, but they will usually cover the cost of the required inspection after a short time.
In addition to wind mitigation discounts, you should make sure to inquire about discounts on your homeowner’s policy when:
- Updating your electrical systems.
- Installing a home security system with central monitoring.
- Mounting a fire alarm with central monitoring.
- Adding fire sprinklers to your home.
- Building a home with certain materials, including those that are fire-resistant.
- Adding other types of insurance to your account, such as for any vehicles you own.
- Remaining with the same insurance company for many years.
- Paying your insurance bill in full each billing cycle.