If you are a West Hartford CT home owner you should know how older roofs affect your homeowners insurance. From an insurer’s point of view, your roof is one of the most important parts of a home. The roof protects your house and its contents from rainwater and snow melt. Some insurers will not renew existing homeowners policies on houses with roofs that are over 20 years old.  If the roof on your home is 20 years old or more, your insurance company may require you pass a roof inspection. An aging roof that fails to pass inspection must be replaced before the policy may be renewed.

It is in your best interest to prevent damage to the home which may occur during inclement weather. Under the terms of most homeowner’s insurance policies, homeowners are required to maintain the home. Leaky windows, clogged gutters, ice dams and improper drainage can lead to water damage and flooding.  In fact, maintenance tasks include storm-proofing windows and removal of hazardous trees to prevent future damage. A wild windstorm, snowstorm or ice storm may topple entire trees or break large limbs. Prepare to hire a professional tree removal service for hazardous tree removal.

If you are not sure what is covered by your homeowner’s policy, discuss the terms with the friendly staff at Caplan Insurance. Call today: 860-561-4713.


Older Roofs and Homeowners Insurance | West Hartford CT | Caplan Insurance