Why Your Roof Matters for Homeowners Insurance in Kennesaw, GA

When it comes to protecting your home, few things are more important than the roof over your head. Not only does your roof shield your home from Georgia’s sun, rain, and storms, but it also plays a key role in your homeowners insurance coverage—and what you pay for it.

If you’re buying a home, replacing an old roof, or reviewing your current policy, here’s what every Kennesaw homeowner should know about roofs and homeowners insurance.

How Your Roof Affects Your Homeowners Insurance

1. Roof Age and Condition

Insurance companies take a close look at the age and condition of your roof when underwriting your policy. Why? Because it directly impacts your risk profile.

• Newer roofs usually qualify for lower premiums and more comprehensive coverage.

• Older roofs (typically 15–20+ years old) may trigger higher premiums or limited roof coverage.

• Damaged roofs or those in poor condition may cause your policy to be declined or non-renewed until repairs are completed.

2. Roof Material

The type of roofing material you choose also affects your insurance:

• Metal roofs can earn discounts for being fire-resistant and highly durable.

• Asphalt shingles are the most common roofing material in Kennesaw and are typically covered under standard policies.

• Wood shake roofs may be more expensive to insure due to fire risk.

• Tile or slate roofs are long-lasting but expensive to repair or replace, which can impact premiums.

3. Roof Shape

Even your roof’s shape can influence your insurance premium:

• Hip roofs (slopes on all four sides) are more wind-resistant and often favored by insurers.

• Gable roofs (two slopes) may be more vulnerable to wind and storm damage—important to consider here in Georgia where strong storms are common.

4. Roof Maintenance and Inspections

Keeping your roof in top shape helps prevent claims and may even lower your insurance costs. Tips include:

• Have your roof professionally inspected every 1–2 years.

• Keep gutters clean to prevent water buildup and roof damage.

• Repair minor issues like loose shingles before they become major problems.

Some insurance carriers offer discounts for documented roof upgrades or maintenance, so be sure to check with your agent.

Roof Damage and Insurance Claims

Standard homeowners insurance generally covers sudden and accidental roof damage caused by:

• Wind

• Hail

• Fire

• Falling objects (like tree limbs)

However, policies typically do not cover:

• Normal wear and tear

• Improper maintenance

• Damage from pests or mold

If your roof is old or not well-maintained, your claim could be denied or paid on an actual cash value (ACV) basis—meaning you’d receive a depreciated payout, not the full replacement cost.

Tips for Kennesaw Homeowners

• Know your roof’s age and condition. Keep inspection reports and documentation handy.

• Talk to your insurance agent. Ask how your roof affects your premiums and what upgrades might qualify for discounts.

• Maintain your roof regularly. It protects your home and your wallet.

• Consider impact-resistant materials. In storm-prone Georgia, they may help prevent damage and save on insurance.

Final Thoughts

Your roof is one of your home’s first lines of defense—and a key factor in your homeowners insurance coverage. Understanding how it impacts your policy can help you make smarter decisions about maintenance, materials, and coverage.

At Hembree Insurance Agency in Kennesaw, GA, we’re here to help you protect your home and your investment. If you have questions about your roof and your homeowners insurance, or if you’d like a free policy review, contact us today. We’ll make sure you’re covered with the right protection at the best possible value.

Call Hembree Insurance Agency today or request your free homeowners insurance quote online!