You only have a limited window of time to file a claim. Some insurance companies allow up to one year, but many require claims to be filed within 90–180 daysof the damage.
If you delay too long, and later develop leaks or interior issues, your insurance company may deny coverage because the home wasn’t protected after the initial damage.
Yes. Insurance rates are based on regional factors, not just your home. Even if you choose not to repair your property, rates in many areas will still increase next year.
Absolutely. The age of your roof is one of the biggest factors insurance companies use when setting premiums. A newer, updated roof can sometimes reduce your rates.
Most homes in the area have older 3-tab shingles, which offer low wind and hail protection. Replacing them with modern shingles gives your home significantly better long-term durability.
A newer, updated roof is one of the top factors buyers look for. It boosts curb appeal, reduces inspection issues, and can increase resale value.
Staying proactive keeps your home protected and prevents small issues from turning into expensive problems—especially when storms or future weather events hit.
When you have the opportunity to repair storm damage and upgrade your home at the same time—often at a fraction of the cost—there’s no better time to take advantage of it.
