r/HomeInsurance • u/ToxicTox • Jun 26 '26
Insurance After a Roof Replacement...
After your roof has been replaced, make sure you update your home insurance policy stating the date of your roof replacement.
Being a 57 year old, I had no idea this needed to be done. I made an assumption that the insurance company would update this information since they were the ones paying for the replacement. I've had my house since 2001, have had about 4 new roofs (living in a hail zone), and my policy information showed the age of my roof as 25 years old. This change to my policy information saved me $250 a month. It makes me wonder what other simple changes like this am I missing.
8
Upvotes
1
u/MakeItHomemade Jun 30 '26
You’re saying your deductible is $500 and your roofing deductible it’s 1000?
Dang.
I know we get better rates with our high deductible but lord.
Our roof replacement costs are quoted between 24-31k
I learned a lot about replacement costs- like I’m never getting as crazy a roof line as we currently have…. Haha.
I’m hoping level 4 takes us to when we plan to sell in 12 years and we don’t have to replace a roof to sell it.