How does my roof affect my rates?
1) The Roof Type & Material
The most common found roofs in America are: (In order of lowest to highest cost to your policy)
2) Roof Age
The newer the roof- the lower the cost. Simple as that. Some companies may not insure roofs over a certain age.
3) Roof Shape
The three most common shapes of roof are Gable, Hip, and Flat
-Gable- Looks like an upside down V.
-Hip- Tends to have 4 sides and is more of a luxury roof to construct. *Tends to be more wind resistant and helps bring down your premium
-Flat- Not as common as the above two. *Traditionally better against wind.