Home insurance is being repriced around climate risk, and roof condition is one of the things insurers look at most closely. A documented, maintained roof is easier to insure than a neglected one.
Why insurers care about the roof
The roof is the part of a house that takes wind, hail and rain first. It is also the most common source of a claim. When insurers reassess an area, the age and condition of the roof is central to what they are willing to cover and at what price.
That has become more visible as carriers withdraw from some markets and re-underwrite in others.
Condition beats age on paper
A roof that has been maintained, repaired where needed and protected generally presents better than one of the same age that has had nothing done to it. Records of that work are what an underwriter can actually read.
Keep the assessment, the written estimate and the warranty certificate together. They are the documents that answer the question when it is asked.
Mitigation, not guarantee
Nothing about a surface treatment makes a house immune to weather, and we do not claim otherwise. What protection does is slow the deterioration that makes a roof vulnerable in the first place.
Be sceptical of anyone who promises a premium reduction. The honest position is that a sound, documented roof gives you a better conversation with an insurer, not a guaranteed discount.
What to do about it
Have the roof scored, fix what the assessment finds, and keep the paperwork. If the roof is sound, protecting it is the cheapest way to keep it that way.
The written GoNano warranty is registered in your name and transferable once, which also matters at sale.
Source
Written for Dr. Armor. The original GoNano article this guide draws on: How GoNano is redefining home insurance amid climate risk
Questions
Common questions, answered in full
- How long does roof rejuvenation last?Coverage runs from 3 to 20 years, and the roof’s condition score decides which.
- Can you treat a roof that is leaking?No. A leak is a repair job and has to be fixed before any treatment.
- What does the warranty cover?Peeling, curling or warping caused by the treatment, and water getting through.