09/16/2026
Most of what people do to their houses raises what it costs to insure them. A few do the opposite, and nobody tells you which ones.
Your insurer prices your policy on one thing: how likely you are to file a claim. Anything that lowers those odds can lower what you pay. But only if you tell them it is there.
One piece the slides left out. A new roof cuts your claim risk, so your premium can come down. It also costs more to replace than the old one did, so your rebuild coverage may need to come up. Reporting it lets your insurer move both at once instead of just one.
Talk to your insurance professional to confirm what applies to your policy. If you don't have one, DM me and I'll recommend someone I trust.