Will My Insurance Rates Go Up After a Roof Replacement? (And Other Myths Busted)
Homeowners in Guilford Hills (27410) often hesitate to file a claim after discovering roof damage. The fear? That their insurance premiums will skyrocket. At Old Timers Roofing, Inc., we hear this all the time—and it’s time to clear the air.
Myth #1: Filing a Roof Claim Automatically Raises Your Rates
False. In North Carolina, insurance companies typically can’t raise your rates for filing a weather-related claim. It’s considered an “Act of God.” Your policy is meant to protect you when hail, wind, or storm damage occurs.
Myth #2: It’s Safer to Pay Out of Pocket
Wrong again. A roof replacement can cost $12,000–$30,000. Your only out-of-pocket responsibility should be your deductible. Let your policy work for you—especially if damage was caused by a storm.
Myth #3: Roof Replacements Lower Home Value
Actually, it’s the opposite. A new roof using Atlas Pinnacle® Pristine shingles with Core4® technology can increase property value, reduce energy bills, and improve curb appeal.
Myth #4: All Roofing Companies Handle Claims Equally
Not true. Our insurance claim specialists know how to maximize coverage, work with adjusters, and submit accurate supplements. It’s why we’re a trusted roofing contractor across Greensboro.
Bonus Tip: Catch Leaks Early
Leaks don’t always look like dripping ceilings. We specialize in roof leak detection and repair throughout Starmount Forest and Guilford Hills. A free inspection today can save thousands later.