How Will The Age of My Roof Affect My Home Insurance?

How old is your roof? The question may be simple, yet for many homeowners it’s a difficult one to answer. Unless you’ve replaced it during your ownership, discovering the roof’s age can take some research—and remember, no signs of leaking doesn’t mean it’s in acceptable condition.

If your property is a recent purchase then your home inspection report should have a section on the roof’s condition. For older purchases, a roofing contractor can estimate the life expectancy of your current roof, and identify any issues.

Checking the roof from the ground is a poor way to assess your roof’s condition. Shingles wear, tear, and age. They also curl and come loose. The flashing around your vents may need updating or perhaps it’s your ridge vent that needs fixing. You could also have mold in hard to see areas.

Having your roof inspected every five years or so is a good habit to keep. It’ll give you peace of mind and help identify any problems early on.

So how does your roof’s age and condition factor into your home insurance? Well, it depends on your situation and the specifics of your insurance carrier:

  • For new policies, most insurance providers will have an age requirement for your roof. Typically it must be no more than 20 or 25 years old.
  • The life expectancy of your roof is also a factor. For example, if an inspection on your house is ordered and your insurance provider has questions regarding the life expectancy of your roof (how many reasonable years it has left), you may need a professional roofer to inspect and sign off on its current state.
  • Type of roof matters. Metal, asphalt, and architectural shingles can make a difference in the rate but also the replacement cost for your home.
  • Some home insurance policies provide discounts for newer, full replace roofs, while some policies will surcharge for older, poorer condition roofs
  • A Roof in poor condition can be deemed unacceptable and may result in a policy cancellation if repairs/concerns are not met.
Insurance policies for any type of property!

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Management is doing things right; leadership is doing the right things.” — Peter Drucker

The above quote has been recited countless times in management and business courses throughout the world. To build better leaders and to improve efficiency in an ever evolving society, we need sound principles to retain our focus. But these words aren’t solely for businesses applications as our daily lives can reap enormous benefits from this wisdom as well.

Being part of a community as a business owner means many things. Yet first and foremost is the simple fact that you, as an individual, represent both your personal and business identities. Our family agency started in Radford, Va over 50 years ago. We’ve been able to grow by building relationships across the Commonwealth and trying our best to provide superior customer service. Now three generations strong our family agency is still growing. So, as simple as it may seem, we’d like to say Thank You—to everyone we’ve had the pleasure to know over the years.

When you understand the role insurance plays for your home, auto or business, it’s easy to see how effective certain coverages can be and the immense value they hold.

The good news is that our family of Independent Agents can work with you one-on-one to find the right solution for your insurance needs. When you meet with one of our Independent Agents, you’re giving yourself the best opportunity to find the best value.

Simply put: We Don’t Work For Just One Insurance Carrier.

When you walk inside our doors or call us on the phone, we listen to your needs and help you make the correct choices.

This means you’ll never be forced into a specific company or into a policy that ultimately feels wrong. And unlike an online insurance provider, our family of Independent Agents can give you personalized attention and help whenever you have questions.

At Dove Insurance, we’ve worked with our clients across the Commonwealth of Virginia for over 50 years to help them make the right decisions. By choosing Dove Insurance, you can cover any of your personal and commercials insurance needs, such as:

Personal Autos
Rental Properties
Life Insurance
Flood Insurance
Classic Cars
Commercial Auto
Personal Umbrella
Renter’s Insurance
General & Excess Liability
Businessowners Policy
Commercial Packages
Commercial Umbrella
Worker’s Compensation

Discover everything an Independent Agent can do for you!

Dove Insurance serves Virginia; including Blacksburg, Carawba, Centreville, Christiansburg, Covington, Floyd, Galax. Harrisonburg, Hopewell, Leesburg, Lynchburg, Pulaski, Radford, Richmond, Riner, Roanoke, Salem, Staunton, Waynesboro, and Wytheville.

Learn How a Wood Stove Can Affect Your Insurance

Ask a lot of homeowners in southwest Virginia about an attractive way to add charm to a home and one popular answer you’ll hear is to install a wood stove. Not only do wood stoves provide supplemental heat in the winter, but the natural smell of burning wood is tough to beat. And depending on your budget, some wood stoves add a unique aesthetic touch to any room.

But did you know that a wood stove can affect your homeowners insurance?

In fact, one of the biggest concerns with a wood stove is eligibility issues. Some insurance carriers won’t issue a policy with a wood stove, and most carriers add a small charge to your premium for having one.

And it doesn’t matter if the wood stove is used—just the presence of a flue is enough.

So what do you need to know about a wood stove and your insurance policy? Here are some items to consider:

  1. Wood stoves must be disclosed on an insurance application or if installed later it’s your responsibility to notify your insurance carrier.
  2. Check with your insurance carrier about wood stove requirements. These vary from company to company, but usually include requirements such as professional installation, annually cleaned/safety check, and signed company specific questionnaire.
  3. The location of your wood stove matters. For example, having a wood stove in a garage or detached structure is unacceptable by many carriers. Always ask about outdoor wood stoves.
  4. Most insurance companies will not allow a wood stove to be the main heat source. A thermostatically controlled heating system is generally required

Serving The Commonwealth of Virginia For Over 50 Years

Instead of working for one big company, our family of Independent Agents represent multiple insurance providers. This allows us to compare rates and coverages so you’ll get the best coverage-to-value policy available. We’re here to serve you.

Let us help.

The Start Of A New Financial Climb: 2019

One way or another, securing our finances for the New Year always makes our resolution list. Just as the sun starts it climb anew everyday, January 1st brings the start to a new financial climb.

And trust me, everyone worries about their finances. (For example, did you know the average monthly car loan payment is $530 for new vehicles and $381 for used ones?)*

However, there are other items to consider besides cash flow when making your 2019 financial plans.

Will you make an extra effort to support local businesses in 2019? From Roanoke to Blacksburg, southwest VA has many great businesses like cafes and shops, salons, tech start-ups, trade services, and licensed professionals that rely on their community.

Will you increase your charitable contributions this year? Find an effort you wish to support by holding back some extra income and give with an open heart. Even a few dollars per month is a good start.

Are you holding back enough for your family’s future? It’s a fact: everyday kids get older and you get closer to retirement. If you need help take a look at the experts from The Dave Ramsey show and start laying the groundwork to your financial peace.

What will you read to improve your financial literacy? News headlines don’t count. Discover new educational outlets to study on a financial topic that interests you. Libraries are a great way to start, and they’re free.

2019 is going to be a great year!

It’s true. It won’t always be easy, but continue to persevere and take each step with the awareness of improving your life and those around you.

“Give instruction to a wise man, and he will be yet wiser.” — Proverbs 9:9

*third quarter of 2018 according to credit reporting agency Experian