Probably the best investment you can make for your house is a Fortified Roof. It not only helps strengthen the structural integrity of your home but also saves you a lot of money in home insurance. In this post, We take a look at how a Fortified Roof can help homeowners earn an insurance premium discount, with examples of savings to illustrate the benefits.
What is a fortified roof?
Understanding fortified roofing.
FORTIFIED is one of the programs in construction that was developed by the Insurance Institute for Business & Home Safety (IBHS). The program focuses on making homes resistant to severe weather from storms, especially hurricanes. The FORTIFIED Roof is known to be constructed with specific requirements that minimize a home’s chance of damage from a storm.
Strong Features of Fortified Roof
- Higher Structural Strength: FORTIFIED Roofs are constructed employing high-tech methods that significantly increase their strength in the face of strong winds and extreme weather.
- Weather Resistance: These roofs employ materials and construction that provide enhanced resistance to water flow, thus avoiding leakage and damage by water.
- Energy-Efficiency: Some of the Fortified Roofing systems also become energy-efficient, which will ensure lower utility bills apart from the savings in insurance.
How Fortified Roofs Reduce Insurance Expense
1. Eligibility for Discounts
Typically, most insurance companies offer premium discounts to those who have Fortified Roofs. Because a roof that is Fortified can resist extreme weather conditions, the insurance corporation has a guarantee that houses that are fitted with such a roof are less likely to claim damage due to storm occurrences. In some instances, homeowners qualify for a significant reduction in their premiums by installing a roof of this type.
Actual Case Study: Discount Rate Offered by Insurance Company
For instance, a New Orleans homeowner who upgraded from a standard roof to a Fortified Roof saved $600 annually in insurance premiums, which used to be $1,200 to $1,800 per year. This saves some of the expenses of replacing their roof but also saves them some money annually in the long run.
2. Reduced Claims
Storm damage in houses whose roofs are reinforced to a good standard may not be so catastrophic as to be utterly wrecked. Consequently, there will be fewer claims for insurance. This translates to lower insurance premiums in the long term. The insurance companies will, however, compensate those homeowners who have taken preemptive measures on how to protect their property.
3. Better Resale Value
A roof reinforced with armor not only makes a house more resilient but also more appealing to potential buyers. When selling the house, one can market it as an added advantage of saving on insurance premiums because of the Fortified Roof, hence making it more attractive. This will lead to a higher amount being sold at and save time for selling the property.
Economic Advantages of Having a Fortified Roof
1. It’s Cheap in the Long Run
Although investing in a reinforced roof is twice that of a standard roof, the savings over the years in terms of insurance premium and the reduced chances of expensive restoration works make it an excellent value proposition. Instead, homeowners can save thousands of dollars on discountable insurance and reduced maintenance costs over the years.
2. Peace of Mind
You are covering your money and, incidentally, gaining peace of mind while you are protecting your finances. With a house that will better withstand severe weather, it is one less thing to be anxious about before a storm blows in.
Getting Started in Fortified Roofing
1. Consult with a Qualified Contractor
Begin by contacting a FORTIFIED roofing contractor. They can advise on the most effective materials and installation techniques available for your specific house and location.
2. Determine insurance needs
Before installation, contact your insurer to discover how your roof will qualify for any discounts based on the current firm’s criteria. In some firms, documentation, or even an inspection, will be required to determine whether the roof meets Fortified standards.
3. Installation and Certification
When you have already picked a contractor, ensure the installation of your roof is according to the FORTIFIED standards. When complete, he can lead you through the process of getting the right certification for you to be able to submit it to your insurance company, where you may get possible discounts.
Conclusion: Invest in a Fortified Roof Today!
In brief, a Fortified Roof is an extremely wise investment for the homeowner interested in protecting his or her property while cutting costs on insurance. What’s more, making your home more resistant to natural disasters brings you a feeling of greater security while saving you thousands of dollars in premiums.
Contact Us Today!
Do you want to Fortify your house with a new roof? Sunbelt Roofs is here to serve you. Our expert staff will be glad to help you make the right choice and install a Fortified Roof that will protect your house from whatever nature has in store for it. Call us today at (985) 805-6921 or (228) 222-5255 to schedule a consultation and find out how a Fortified Roof can save you money and protect your home structure. Don’t wait for the next storm to hit—lock in your home’s future today!