Do you own a home in Metro Atlanta or other parts of Georgia with a wood shingle roof? If so, here are some tips on how to insure a home with wood shingles as well as some general information you may find helpful.
Wood shingle roofs are beautiful, but they can sometimes be a challenge for homeowners and insurance companies alike. In recent years, the look that wood shingles provide a home has grown, with some homeowners even switching to this style from traditional asphalt shingles. It’s important to be aware of several things when purchasing an insurance policy for a home with wood shingles.
What is a wood shingle roof anyway?
A wood shingle roof is a type of roof that uses wooden shingles as the primary material. Some of the most common types are made out of cedar or redwood and come in a variety of colors and styles. Many homeowners like the look that this provides even though it may not be as fire resistive as other options.
What about home insurance for a wood roof?
Not every insurance may be able to insure a home with wood shingles, so you will want to make sure and ask if this meets their guidelines. It is probably best to start by asking this first instead of getting further into the process and finding out it does not meet their underwriting. In almost all cases, an insurance company is either going to ask what the roofing material is made out or, or it may be public record that they are going to want to verify. Either way, it will almost always come up.
As mentioned above, some homeowners’ insurance companies simply won’t be able to provide you an insurance policy if the roof is made of wood shingles; others may, but even then they may have some additional questions you need to answer. If possible, try working with an independent insurance agent like Bering Insurance Partners. Since we work with multiple different home insurance companies, we have a few who will provide coverage for homes with wood shingles.
Will it cost more?
Most people want to know if it is going to cost more to insure a home with wooden shingles and the answer is, it depends. With most insurance companies the roof, including the age and material, are going to be a key factor in the rate. With all other things being equal a home with a wood shingle roof will most likely be a bit more costly.
Let Us Help!
If you have any questions about homeowners insurance for a wood roof home, or you are interested in getting quotes, please feel free to contact us. You can call us at 404-781-9415, or use the form on this page to have one of our representatives contact you. As an independent agent offering homeowners insurance and serving Atlanta & Georgia we would love to see how we can help you.
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