3 things you need to know about Roofs and Homeowners Insurance.




As we transition to 2021, my promise to do whatever I can to help you close the deal stands firm. From taking your call anytime to tackling complex insurance issues, I am here for you.


Today's topic addresses the 3 roof factors that impact your client's homeowner's insurance premium: shape, material, and age.


What shape is the roof?

Takeaway: Hip roofs provide a larger benefit than their non-hip neighbors.

The 3 most common types of roofs in Florida.


Hip-shaped roofs provide the best benefit.

1. Hip. Has four sides. With its strong resistance to wind, this type of roof gives you the best discount on insurance premiums.


2. Gable. Looks like an upside-down V, can be vulnerable to high winds, and typically cost more to insure.


3. Flat. No pitch or slope, vulnerable to collecting water and potential leaks. The least favorable to insurance companies.


What material is the roof?

Takeaway: The more durable, the more insurable.


Generally speaking, carriers only commit to the following insurable years based on the type of roof:


Tile roof

  • 3-tab shingles - Up to 15 years.

  • Architectural - Up to 20 years.

  • Tile - Up to 30 years.

  • Metal - Up to 40 years.

  • Tar and Gravel Flat - Up to 7 years.


These figures do not represent the actual lifespan of the roof.


How old is the roof?

Takeaway: The newer the roof, the better your rate.


Old roofs are viewed as insurance risks, and some insurers may even refuse to cover an old roof. In this case, call me for assistance.


Want to continue the conversation?

When your client is looking for a second opinion, to reduce their rate, compare quotes, or just has a question, let me help. Call me, your 24/7 agent, cell 239.994.9067 or office 239.540.0005.







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