How St. Paul Roofing Affects the Home Insurance of Owners in the Area

The materials used on a home is one of the biggest considerations new homeowners make, especially in terms of being able to provide adequate comfort and protection to the people inside. Homeowners also want to make sure that, next to function, the materials they choose should add aesthetic value to the overall look of the house. Apart from the cost of the materials and the construction itself, the financial implication of choosing the right materials is not given as much thought.

Home Insurance

The roofing of St. Paul homes has provided shelter and protection for residents from everything the local weather has had to present them. Every homeowner wants a roof that is well built and durable, and provides a high degree of protection and insulation for everyone inside. However, few realize the correlation between the material quality and workmanship of their home’s roof to the protection they seek and deserve, as well as to the cost of the insurance premium that they have to pay. An article for published last November 12, 2013, discussed this issue:

To a home insurance company, the roof is the most important part of your house. Why? Because it’s the gateway to far greater damage claims once it’s breached.

Because insurers have a vested interest in your roof, they price your home insurance accordingly, based on the soundness of its construction and what it will cost them to replace it. Note also that premium incentives and disincentives for roof types vary widely by company and location.

Hunter says to check with your home insurance agent or broker before you build or replace your roof to see what impact your roofing type might have on your premium. “Companies are moving more and more toward ‘actual cash value’ coverage for a roof and not paying the full replacement cost,” he adds.

While homeowners often have a roofing material in mind, which they believe will meet their home’s needs and the style they want, they must also realize that their homeowner’s insurance policy might have something on roofing materials and other matters that might give them an advantage. Consult with a professional for a better understanding of the best roofing solutions for your home based on structure, local weather, and location of your home. Consult with your home insurance agent, as well.

Experienced home improvement and roofing contractors in St. Paul, MN, like those at Garlock-French Corporation, can provide quality roofing repairs and replacement installation, as well as help with keeping your insurance premiums at a minimum. Knowledgeable companies like Garlock French also offer professional design services to help homeowners keep to the style they want.

(Article Information and Image from “Your roof and your home insurance”,, November 12, 2013)