Why Are All My Neighbors Getting New Roofs?
ROOFING
Keeping Up With The Jones'... Or Not
You’ve probably noticed it, it feels like every summer you hear crews working on house after house in your neighborhood. Shingles piled up in driveways. Dumpsters lining the street. Suddenly, it seems like everyone is getting a new roof.
Here's what you could be missing out on, and what it means for your home, and your wallet.
Why Is Everyone On Your Street Getting A New Roof?
After a big storm with hail or strong winds, insurance companies receive thousands of claims for roof damage. When your neighbors file a claim and get their roofs replaced, the insurance company takes note. But here’s the part that surprises most homeowners: your insurance premium doesn’t depend solely on your personal claim history.
Instead, insurance companies look at the overall risk in your ZIP code. If many homes in your area file claims, they raise rates for everyone living there. That means even if you never file a claim, your premiums could go up because of what’s happening next door.
How To Know If You're Paying For Your Neighbor's New Roof?
If your roof has damage but you decide not to file a claim, you might think you are saving money. But the reality is more complicated. Your premiums will likely increase as your area’s risk rating rises. Meanwhile, your roof remains vulnerable to leaks, drafts, and other problems.
Paying higher insurance rates without the benefit of a new roof is like paying for a gym membership but never going. You are spending money without getting the protection or value you deserve.
Staying Ahead and Protecting Your Home
The smartest step you can take is to get a professional roof inspection, especially after any major storm in your area. A qualified roofing contractor can tell you if your roof qualifies for an insurance-covered replacement or if repairs can extend its life.
By acting early, you can avoid surprise rate increases and make sure your home stays protected. You may also avoid costly water damage or structural issues that result from delayed repairs.
Don’t Wait Until It’s Too Late
Storm damage is not always obvious from the ground or even inside your home. Missing shingles, small cracks, or hidden leaks can quickly turn into expensive problems.
If it has been more than six months since your last roof inspection, now is the time to schedule one. Catching issues early can save you thousands of dollars and give you peace of mind when renewal time comes around.
Final Thoughts
When your neighbors are getting new roofs, it is not just about keeping up appearances. It’s a sign of changing risk in your area that can affect your insurance costs and your home’s safety.
Don’t be the last one left with an old roof while paying more every month. Get ahead, get your roof checked, and protect your biggest investment before the next storm hits.
Time For An Inspection?
We recommend choosing a local contractor or being referred by a friend. We are also keen on researching a number of contractors before making a choice, however if you're pressed for time the good news is we've done our research for you. For guaranteed credibility, check for the Verified stamp of approval to ensure your home is in the best hands possible.
Planning Your Next Project
Before making any final decisions, keep these 4 guidelines in mind:
Get Local Estimates: Costs and returns vary widely by region. Understanding your market is key.
Verify Permits and Codes: Especially for structural changes, utility upgrades, and to ensure code compliance.
Focus on Quality: Cutting corners on large projects can backfire, both in function and resale value.
Think Long Term: Choose upgrades that improve your lifestyle today and maintain appeal for tomorrow’s buyers.
Still not sure where to get started? That's what we're here for. Check Verified to find a contractor you can trust today!
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