A new roof is a major investment in protecting your home.
If you’ve recently had one installed—or have a replacement planned—now is a great time to review your homeowners insurance.
Roof updates can affect the information on your policy, including the roof’s age, materials, and replacement value. Keeping those details current can help us make sure your coverage accurately reflects your home and that there are no surprises if you ever need to file a claim.
Depending on your insurance carrier and the type of roof installed, you may also be eligible for a homeowners insurance discount.
Most often, the potential savings can be:
· Newer-roof / roof-age discount: Some carriers rate more favorably when an older roof is replaced.
· Impact-resistant roof discount: Usually the biggest roof-specific opportunity, particularly for qualifying Class 3 or Class 4 shingles/materials tested for hail impact resistance.
· Wind or hail mitigation credit: May apply when the new roof meets certain installation or resilience standards.
· Updated replacement-cost rating: A new roof can improve how the home is underwritten and may help avoid age-related roof surcharges or coverage restrictions—though it is not always a direct discount.
Even if a discount is not available, a quick policy review can help confirm that your policy remains a good fit for your needs and budget.
As an independent insurance agency, Merit Insurance Group is here to provide hands-on support and help you understand your options.
Call us with any questions at 708-845-5466 or visit our website at www.meritinsurancegroup.com
