There are four main systems almost all insurance companies ask about when quoting a policy:
Insurance companies want to know that these four systems are in good condition, and they often have guidelines for how old these systems can be. After all, even a well-built home needs work as the years go by. Having documentation for updated systems will help us make sure you get all available discounts. It also makes things a lot easier if we ever need to shop your policy.
Roof
The acceptable roof age often depends on the type of roof covering. For example, once a shingle roof is about fifteen years old, it gets harder to find an insurance company that will write a new policy.
The three most common roof coverings in our area are:
3-Tab Composition Shingle Roof
Architectural Shingle Roof
Metal Roof
Of these three, a 3-tab composition shingle roof has the shortest expected lifespan and a metal roof has the longest.
Some insurance companies offer a discount just for having a new roof installed by a licensed contractor. To notify the insurance company about your new roof, we need to send in photos of the roof with a copy of a paid invoice. There may also be additional discounts depending on features of your roof. Contact us for a wind mitigation form that the roofer can complete.
HVAC/Plumbing/Wiring
The acceptable age of the HVAC, plumbing, and wiring varies a little more than the roof. If you make any updates to your HVAC, plumbing, or wiring, send us a copy of the paid receipt from a licensed contractor.
Renovations
If you’ve renovated your home, the value may have changed. Let us know if you’ve added anything like a porch, new room, or swimming pool so we can make sure you have adequate coverage.
Need to let us know about updates to your home? Call us at (843) 521-4000 or e-mail info@insurancebeaufort.com.
