Get matched with top roofers in Paterson, NJ

Always inform your insurance company when you get a new roof. A new roof may entitle you to lower rates or discounts, and if you need to make a claim, they’ll have up-to-date information on your roof. You’ll need to provide documentation—ask your insurance agent what you need to submit to prove you had your roof replaced.

Manufacturers, insurance companies, and municipality regulations are phasing out three-tab shingles. Because of their short lifespan and lack of durability compared to other roofing material types, manufacturers are leaning toward better products, and cities and insurers are starting to require better building materials overall. However, 3-tab shingles are still for sale, and some roofing companies still install them.

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

Copper roofs last an average of around 100 years, making it one of the longest-lasting types of roofs. It’s significantly more expensive than an asphalt shingle roof, but it also lasts three to four times as long, providing great value for the money. You can extend the life of your copper roof by carrying out routine maintenance, like scheduling annual cleaning and roof inspections.