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Colorado Insurance Blog

Why should a business in Colorado have a commercial insurance plan?

The state of Colorado has been one of the fastest-growing in the country over the past few years. Those that live in this state will find that it has a good economy, a strong demand from visitors, and a growing population. This can make it an ideal place to be a business owner as well. If you are looking to start any type of business here, getting the right insurance is a necessity.

There are various reasons why business owners here need to have this coverage:

Ensure Business is Supported

A primary reason for any business owner to obtain this coverage for their company is to ensure the business is supported. There are always risks that come with running a company and having the right insurance can help to offset and mitigate some of these risks. A proper commercial plan offers coverage for all business assets and can mitigate commercial liability risks. 

Stay Compliant with Requirements

You also will want to consider getting a commercial insurance plan to ensure you can stay compliant with any requirements. There are always going to be requirements that come with running a business. Many agreements you sign, such as investor contracts, loan agreements, or vendor and client contracts, will obligate you to protect your business with insurance. Having this coverage will keep you in good standing with these requirements.

Contact Us Today

It continues to be very important that a business in Colorado obtain the right insurance to help protect the organization. If you are assessing your needs for coverage here, beginning a search with Integrity First Insurance is ideal. The team with Integrity First Insurance understands the value of this coverage and can help you identify your needs and build a plan. This will give you comfort that you remain appropriately insured and protected. 

Why should a business in Colorado have a commercial insurance plan?

The state of Colorado has been one of the fastest-growing in the country over the past few years. Those that live in this state will find that it has a good economy, a strong demand from visitors, and a growing population. This can make it an ideal place to be a business owner as well. If you are looking to start any type of business here, getting the right insurance is a necessity.

There are various reasons why business owners here need to have this coverage:

Ensure Business is Supported

A primary reason for any business owner to obtain this coverage for their company is to ensure the business is supported. There are always risks that come with running a company and having the right insurance can help to offset and mitigate some of these risks. A proper commercial plan offers coverage for all business assets and can mitigate commercial liability risks. 

Stay Compliant with Requirements

You also will want to consider getting a commercial insurance plan to ensure you can stay compliant with any requirements. There are always going to be requirements that come with running a business. Many agreements you sign, such as investor contracts, loan agreements, or vendor and client contracts, will obligate you to protect your business with insurance. Having this coverage will keep you in good standing with these requirements.

Contact Us Today

It continues to be very important that a business in Colorado obtain the right insurance to help protect the organization. If you are assessing your needs for coverage here, beginning a search with Integrity First Insurance is ideal. The team with Integrity First Insurance understands the value of this coverage and can help you identify your needs and build a plan. This will give you comfort that you remain appropriately insured and protected. 

Driving this Thanksgiving: Safety Tips That Save Lives

Safe driving saves lives. If you’re traveling this holiday season, follow these tips to protect yourself and others on the road with you.

Traveling during the holidays brings us closer to family and loved ones, but sometimes, traveling also puts us in harm’s way. According to the National Safety Council, 406 people died in traffic accidents during the Thanksgiving weekend in 2019. This number is not atypical for the holiday season: NSC consistently estimates that between 400 and 500 people will die over the 4-day period we celebrate Thanksgiving.

Take steps to protect yourself and your loved ones. The following tips can help you avoid accidents that can lead to injuries and even fatalities.

Wear a Seat Belt

Seat belts save lives. According to the United States Department of Transportation, seat belts saved nearly 15,000 people who survived car accidents in 2017. Whether you’re going to see a relative in your town or traveling hundreds of miles from home, wear a seat belt. Be sure the other people in your vehicle buckle up as well.

Pay Attention to the Weather

Thanksgiving weather can vary, from snowy to icy to beautiful and sunny. Pay attention to the weather at your point of departure, your destination, and the route in between. Watch for low temperatures, chances of precipitation, and more.

Know Your Route

How will you be arriving at your destination? If you’re using a GPS device or GPS on your smartphone, plug in the route before you start driving.

Avoid Drowsy Driving

Drowsy driving caused over 600 traffic deaths in 2020. Driving drowsy can reduce your reaction time and cause you to fall asleep behind the wheel. To avoid drowsy driving:

  • Drive with a partner and take turns driving
  • Get out to walk around periodically
  • Avoid driving at times when you would usually be sleeping
  • Drink coffee or another caffeinated beverage
  • If you’re feeling tired, roll down your window to increase your alertness
  • Listen to music or talk to people in the car with you to increase your alertness
  • Divide long journeys into segments and know when to stop for the night

Put Children in Appropriate Seat Restraints

Children are required to ride in seat restraints. The youngest children must ride in rear-facing car seats until they graduate to front-facing car seats and, finally, booster seats. Pay attention to the weight requirements for each type of car seat, and know the seat restraint laws in your state.

Watch Your Speed

Of course, you should follow the posted speed limits along your route, but sometimes driving the speed limit is too fast for your journey. The speed limit may be dangerously fast if the road is icy, wet, snowy, or in poor condition. Use common sense when selecting your speed. Don’t prioritize a quick journey over the safety of you and your passengers.

Don’t Drive Distracted

Over 3,000 people die in distracted driving-related accidents every year. Pull over if you must take a call, send, or read a text message while driving. If someone is in the car, let them take the call, change the radio station, read the text message aloud, and adjust your GPS device. Never read or send a text message while driving.

Drive Sober

In 2019, nearly 1/3 of traffic fatalities involved alcohol. Alcohol-related traffic deaths are entirely preventable.
It’s common for people to have a drink or two when at a relative’s house for a holiday celebration. Before arriving at your destination, designate a sober driver – or plan to stay the night.

Update Your Auto Insurance Policy

Take steps to protect yourself this holiday season. Call your insurance agent to check (and update) your auto insurance policy.

Content provided by Safeco Insurance

Does Colorado require specialized insurance for classic cars?

Colorado classic car owners can count on the team at Integrity First Insurance for all of their insurance needs. If you have questions about the right way to protect your classic car, we are here to help. Give us a call today!

Yes, specialized insurance is required for classic cars in Colorado

Owning a classic car is much more than just a hobby, it’s also an investment. Colorado requires that owners of certain types of cars carry specialized insurance. These include antique and classic cars, custom cars, and certain sports cars. If you own a specialty car, you will need to secure a specialized policy.

There are a number of different options that are available in our state, and we can help provide information to make your selection process more streamlined. Factors to consider when selecting your specialized classic car policy are the value of the car, how often and how far you drive it, and where and how it is stored. 

A classic car does not typically function like a vehicle that is primarily used for transportation. This means that typical metrics such as the length of your daily commute won’t be a factor when you are selecting your specialized policy. There are a number of other factors that your insurance carrier will ask about in determining the risk associated with insuring your classic car. Be sure to work with an agent who understands these vehicles and their unique insurance policy needs. 

Find out more today!

Integrity First Insurance is the team to call for all of your insurance needs in the state of Colorado. We are here to help all of our clients, no matter how specialized their insurance needs might be. Contact our office today to find out more. 

What is Cyber Protection and Do You Need It?

Many businesses carry insurance to protect them from cyber risks, but most people don’t know that you can also get Personal Cyber Protection. Several insurance companies now offer a Cyber Endorsement on their homeowners policies. If your home policy doesn’t offer that coverage, there are separate policies you can purchase to cover your cyber risks.

How Common are Cyber Attacks?

In 2021 alone, there were 847,376 complaints of cyber attacks reported to the International Crime Complaint Center. With those complaints, the potential losses exceeded $6.9 Billion.

According to Forbes, there are more than 4,000 ransomware attacks every day in the United States. That’s a 300% increase in ransomware attacks since 2015.

Sobering Cyber Stats from Cybersecurity & Infrastructure Security Agency

Who Needs Cyber Protection?

With the number of smart devices in most homes, nearly everyone has some amount of cyber risk and could benefit from coverage for cyber losses. If you fall into any of the categories below, cyber insurance might be useful for you and your family.

Anyone with:

  • Home security cameras
  • Smart appliances
  • Amazon Alexa or other smart devices
  • Smart phones
  • Gaming systems

People who use:

  • Online banking
  • Venmo or PayPayl
  • Social Media (or children with social media)
  • Online shopping
  • Apps that link with bank account or credit card information

The more smart devices you have, the greater the chance you have of getting targeted by a cyber criminal. You could lose privacy, money, a sense of security, your reputation and more. Cyber coverage can’t prevent a cyber crime from happening, but it can help make you whole again if you’ve been targeted.

What Does Cyber Insurance Cover?

Each insurance company may offer different variations of coverage for cyber risks, though most will offer some combination of the following.

Identity Recovery

If your identity is stolen, Identity Recovery coverage help to cover the costs associated, including legal fees, notary fees, credit bureau reports, and possibly a case manager to help guide you through the recovery process.

Cyber Extortion

Cyber Extortion is the demand for money or something else based on a credible threat to damage, disable or deny access to a device, system or data. One example is a hacker locking someone out of their computer and only returning access if they pay a ransom.

With coverage for Cyber Extortion, you’ll be provided professional assistance from an expert in the matter who will help you respond to a threat. In certain cases, your policy may also pay the ransom for the extortion threat.

Cyber Attack

A Cyber Attack is a malware attack against or unauthorized use of a computer or other connected home device.

Cyber Attack coverage can help pay for the cost of a professional firm to replace lost or corrupted data and restore the device to its original state.

Data Breach

If there is a breach where personally identifying or sensitive information is lost, stolen or released, Data Breach coverage can help resolve the situation. Coverage includes a forensic IT review to determine the extent of the breach, legal counsel to develop a response, and can help pay the cost to notify affected individuals.

Fraud

Fraud includes unauthorized use of a card, card number, account number or forgery of a check. Fraud coverage helps reimburse the insured for the resulting financial loss.

Cyberbullying

Cyberbullying is the use of electronic communication to bully a person by sending, posting or sharing negative, harmful, false or mean content.

There are a select few companies that include coverage for Cyberbullying in their Cyber protection. If Cyberbullying coverage is provided, it can cover mental health counseling, temporary relocation expenses, private tutoring and enrollment expenses if a student needs to relocate to an alternative school.

If you’d like to discuss your cyber insurance options, give us a call. We’re happy to walk you through the coverage and help you find the right fit for your family.

Sources:

2021 Internet Crime Report. Internet Crime Complaint Center. (n.d.). Retrieved September 7, 2022, from https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3Report.pdf


Metz, J. (2022, June 7). Do you need personal cyber insurance for cyberattacks? Forbes. Retrieved September 7, 2022, from https://www.forbes.com/advisor/homeowners-insurance/personal-cyber-insurance/

What Happens If You Get a Speeding or Parking Ticket in Another State

For many drivers who travel for work or go on vacation frequently, out-of-state travel can involve dealing with different laws and speed limits, inconvenient or unusual parking scenarios and the threat of receiving a speeding or parking ticket.

If You Get a Speeding or Parking Ticket in Another State, What Happens?

For many drivers who travel for work or go on vacation frequently, out-of-state travel can involve dealing with different laws and speed limits, inconvenient or unusual parking scenarios and the threat of receiving a speeding or parking ticket.

Should you have to deal with a speeding or parking ticket in a different state, you may have a number of questions, including what to do about it, where to go in order to deal with it and whether or not you have to pay for it. Read below to find answers to the most common questions related to this scenario.

Parking Tickets

It’s not uncommon to receive a parking ticket in a strange town, especially if you are out after dark and the signage is difficult to read. It’s normal to be frustrated after receiving a parking ticket, especially considering that parking ticket offenses can cost anywhere from $60 to $240, depending on where you receive the ticket and why. What are your options? You have several to choose from:

Parking Ticket Option 1: Pay for the Ticket

It makes good financial sense to promptly pay the fine associated with the parking ticket, mainly because the fine generally increases the longer you wait to pay it. Although it might be frustrating, paying the fine as soon as possible might cost you less in the long run.

Parking Ticket Option 2: Ignore the Ticket

In certain municipalities, a gradual increase in the amount of fine you pay is only the first step in the process. If parking tickets remain unpaid, county authorities may also place a vehicle-immobilizing device, or “boot,” on your car. If you rarely visit the state where you received the ticket, getting a boot might not seem too scary, because you can pay the ticket and have the boot removed. The next step, when the municipality sends your parking ticket to a collection agency, might be a bit more concerning. Depending on the state where you live or where you received the ticket, you could end up with a negative impact on your credit, in addition to being unable to renew your license or registration. The threat of these negative repercussions may influence your decision, and you may determine that ignoring a parking ticket is not worth the additional hassle!

Parking Ticket Option 3: Fight the Ticket

If you feel as though you were wrongly ticketed, you can fight the ticket in court, even if you don’t have an attorney. You have several additional options:

  • Send a written affidavit to contest the ticket.
  • Directly contact the local prosecutor.
  • Pay for an attorney to defend you.

You may want to carefully considering the additional cost of time and travel expenses involved, as this option might not be worth it financially.

Speeding Tickets

Driving faster than the posted speed limit is one of the most common traffic violations in America, and even the best drivers may overlook the speed limit and end up with a ticket at some point. If you’ve already received a speeding ticket in another state, there are a few facts you should know.

Computers are always monitoring speeding drivers. The computers we’re referring to are used to help enforce the “Driver’s License Compact” (DLC) and the “Non-Resident Violator Compact” (NRVC). These compacts and the data they gather are part of an agreement between states to share information on drivers who have moving violations. This agreement is called the Driver License Agreement, and only two states (Wisconsin and Michigan) do not participate.

You may wonder how this agreement affects you. As an example, if you receive a speeding ticket in another state and choose not to pay it, the information is forwarded to your home state. When your home state receives the information, they may pursue payment on the fine.

Speeding Ticket Option 1: Pay for the Ticket

Although no one enjoys getting a speeding ticket, the fastest way to deal with it is to just pay the fine. Regardless of whether you receive one in your home state or another state, it’s a lot less hassle to pay for the ticket.

Speeding Ticket Option 2: Ignore the Ticket

Failing to pay for a speeding ticket that you received in another state can affect your license or insurance in a number of negative ways, including the following:

  • Your license may be temporarily suspended.
  • Your car insurance premium may increase.
  • Your car insurance company may drop your coverage.
  • You may receive significant fines.
  • You could even face imprisonment.

With serious consequences like these, not paying a speeding ticket is not a safe bet for any driver!

Speeding Ticket Option 3: Fight the Ticket

As we discussed above, fighting a parking ticket is usually not worth the additional effort. Because a speeding ticket is more severe and is usually expensive, fighting it is more common, regardless of the state. People commonly fight tickets for the following reasons:

  • They want to avoid adding more points to their license, which could put them at risk of having their license suspended and impact their ability to travel to and from work.
  • Their job requires that they have a license with no moving violations.
  • They want to avoid potential increases in insurance premiums.

You can hire a traffic attorney to help defend you, which is especially helpful if you hire someone in the jurisdiction where you received the ticket. These attorneys are familiar with local laws, which can help with your defense. There is always a chance that hiring an attorney may not pay off, as you still run the risk of losing in court. Potentially, you may end up having to pay your fine and associated attorney fees, which could cost you more in the long run.

Receiving a ticket while driving in another state can impact your driving history, your credit score and your insurance rates. Every driver makes mistakes, and if you have questions about how your out-of-state ticket may impact your car insurance rates or coverage, give us a call. We’re available to answer your questions and help you get the coverage you need to fit your budget and lifestyle.

Blog courtesy of National General Insurance

Car Thefts Are On The Rise In Colorado

According to data provided by the Colorado Metropolitan Auto Theft Task Force (CMATT), car thefts in Colorado have increased by 173% in the past 3 years. That makes Colorado the No. 1 state in the nation for car thefts per capita, as reported by the National Insurance Crime Bureau.

What is causing the number of car thefts to soar in Colorado?

One contributing factor is the growing homeless population in Denver. Many car thieves that are repeat offenders are part of the homeless population and use the stolen cars as shelters. Though most stolen cars are eventually recovered, the thief is often long gone and never found.

The relatively lax laws against car theft also play a significant part in the increasing rate of car theft. Even when thieves are caught, they tend to get out within days and see little to no punishment. The lack of real repercussions for car thieves makes it a low risk/high reward crime, leading to many repeat offenders.

Which vehicles are most at-risk of being stolen?

The Colorado Auto Theft Prevention Authority (CATPA) released a list of the 10 most-stolen vehicles in the Denver metro area from January-March 2022:

What can you do to prevent your car from being stolen?

  • No “Puffing.” Don’t leave your car running when you’re not in it.
  • Lock your car and roll up your windows. Leaving it unlocked, the windows down (even just a crack), or leaving a spare key in or on the car makes a thief’s job much easier.
  • Park in a garage if you can. Significantly fewer cars are stolen from garages than from driveway, streets, or parking lots.
  • Park in well-lit areas. Both in public and at home. If you park in your driveway or on the street at your house, consider adding a bright light to reduce shadows where a thief could hide.
  • Don’t leave valuables in your car. Many cars are targeted because the thief sees money, a computer, a camera, a purse, or some other valuables inside.
  • Install an outdoor camera that covers the area where you park your car. Just the presence of a camera can deter a would-be thief, and if your car is stolen it can help identify the culprit.

Read more tips for car theft prevention from Lockdown: https://lockdownyourcar.org/prevention/

Catalytic Converter Thefts are Soaring

What is a catalytic converter?

A catalytic converter is part of a vehicle’s exhaust system that helps turn toxic pollutants into cleaner emissions.

Why are they being targeted?

They are made of precious metals, commonly platinum, palladium and rhodium, all of which can be sold for high prices. A single catalytic converter can be sold for as high as $1,500.

Since they are easy to steal, many can be stolen in a short period of time. Since they are easy to steal and worth a pretty penny, they are a prime target for thieves to make money quickly.

Where are vehicles most at-risk?

Cars that are parked in public spaces are the most likely to have their catalytic converter stolen. Places where cars are likely to be parked for a longer period of time, like a Park-N-Ride or airport parking lot, are the most commonly targeted.

Which vehicles are targeted the most?

According to Denver7, Hondas and Toyotas are the most targeted vehicles in the Denver area.

What can you do to prevent your catalytic converter from being stolen?

The police don’t recommend confronting someone if you see them trying to steal your catalytic converter. There’s a pattern of thieves pulling weapons when confronted. It’s safer to call the police and report the theft in-progress while keeping a safe distance.

Some steps you can take to prevent theft:

  • Park in a garage or well lit area
  • Have the bolts holding the catalytic converter welded in place
  • Put a cage around it
  • Get your VIN engraved on the catalytic converter, which may deter theft or increase the chances of finding your missing part

Sources:

Contreras, Ó., & Miller, B. (2022, April 4). Catalytic converter thefts: What cars are being targeted, where it’s happening, & how to protect yourself. Denver 7 Colorado News (KMGH). Retrieved August 30, 2022, from https://www.thedenverchannel.com/news/360/catalytic-converter-thefts-what-cars-are-being-targeted-where-its-happening-how-to-protect-yourself


Auto theft prevention tips- CATPA – all about puffer cars. CATPA. (2022, July 6). Retrieved August 30, 2022, from https://lockdownyourcar.org/prevention/


Fields, M. (2022, July 18). Fields: Aurora offering a model solution to Colorado car theft tsunami. Sentinel Colorado. Retrieved August 30, 2022, from https://sentinelcolorado.com/opinion/fields-aurora-offering-a-model-solution-to-colorado-car-theft-tsunami/


Friday. (2022, July 1). Year-to-date Colorado car thefts outpacing 2021. Colorado State Patrol. Retrieved August 30, 2022, from https://csp.colorado.gov/press-release/year-to-date-colorado-car-thefts-outpacing-2021


Kovaleski, J. (2022, June 21). Here are the areas where your car is most likely to get stolen in the Denver Metro Area. Denver 7 Colorado News (KMGH). Retrieved August 30, 2022, from https://www.thedenverchannel.com/news/investigations/here-are-the-areas-where-your-car-is-most-likely-to-get-stolen-in-the-denver-metro-area


Nieto, G. (2022, April 14). Top 10 most-stolen vehicles in the Denver Metro. FOX31 Denver. Retrieved August 30, 2022, from https://kdvr.com/news/local/top-10-most-stolen-vehicles-denver-metro/


Pender, C. (2022, August 9). Why do people steal catalytic converters? KRON4. Retrieved August 30, 2022, from https://www.kron4.com/news/why-do-people-steal-catalytic-converters/#:~:text=The%20three%20precious%20metals%20that,%2C%20according%20to%20cars.com.

How Renters Insurance Works

Renting your home comes with certain responsibilities, and getting and keeping renter’ insurance is one of them. It’s important to have renters insurance for as long as you live in your home in order to keep yourself protected. These policies include a number of different types of coverage that can all protect you against certain events. If you need renters insurance, give us a call now at Integrity First Insurance in Colorado.

It Protects Your Possessions

One of the most important functions of renters insurance is to cover the possessions that are inside your home. When you have this coverage, a damaging event that happens to your home and ruins your possessions will be covered as long as the type of event is covered. This may be a certain disaster, a calamity, an accident, etc. It’s important to have this coverage because it will pay for your items to be replaced. This will keep you from having to begin with nothing at all after a damaging event.

It Covers Your Liability

When you are renting your home, you are still liable for what happens inside that home. If a third party were to have an injury due to an accident there, you could be judged liable and have to pay for their medical bills. Medical bills can be extremely high, and renters insurance can pay them for you. It’s a good idea to have this coverage in case of an accident so that you won’t have to come up with all of the money for the medical bills on your own. This can save you thousands in necessary medical bills that won’t have to come from your own pocket.

Get Covered With Renters Insurance

If you rent, you can’t be without this important coverage. Call us today at Integrity First Insurance in Colorado.

What Is The Difference Between Full Coverage And Liability-Only Motorcycle Insurance?

Motorcycle insurance is a must for all riders. However, do you know the difference between full coverage and liability-only policies? Here, we’ll break it down for you so that you can make an informed decision about what type of policy is best for you.

What Is Full Coverage Insurance?

Full coverage motorcycle insurance is just what it sounds like – it covers you, your bike, and any damage you may cause up to the limits of your policy. This type of policy typically includes collision and comprehensive coverage, as well as bodily injury and property damage liability.

What Is Liability-Only Insurance?

Liability-only insurance, on the other hand, only covers damage you may cause to another person or their property. It does not cover any damage to your own bike or body. This type of policy is typically much less expensive than full coverage but offers far less protection.

So, Which Type of Policy Is Right for You?

That depends on several factors, including the value of your bike, your riding habits, and your budget. If you own a high-value bike or ride often, full coverage may be the best option. However, if you have an older bike or you only ride occasionally, liability-only insurance may be sufficient.

The thing is, you’ll need to weigh the pros and cons of each type of policy before making a decision. If you’re still unsure which type of policy is right for you in Colorado, Integrity First Insurance can help you make an informed decision.

Give Us A Call

There you have it – a brief overview of the difference between full coverage and liability-only motorcycle insurance. As always, be sure to do your research and consult with an insurance agent before making any decisions about your policy. Integrity First Insurance in Colorado is here to help you find the right policy for you, so don’t hesitate to give us a call today.

How Often Should You Replace Your Roof and Why is it Important?

Don’t overlook your roof! This important structure affects more than curb appeal. It’s responsible for protecting many structures and systems.

View of home from the street

The parts of a home that get the most attention tend to be visual, and more or less at eye level: paint color, landscaping, porches, and decks. The roof is the one part of the home that doesn’t tend to get a lot of notice unless the gutters overflow or an enthusiastically tossed toy goes a little too high.

This important structure affects a lot more than your house’s curb appeal – it’s responsible for protecting interior structures from water, ensuring your HVAC system operates efficiently, safeguarding your loved ones in dangerous weather, and, in some cases, making your attic safe storage space.

Roof Age and Replacement Tips

How long does a roof last? Sales pitches for roofing companies can come fast and furious, inviting doubt to creep in over the integrity of the shingles overhead.

Here’s a short intro guide on the various types of roof materials, and when you may want to consider repair, replacement, or maintenance:

Asphalt Shingles

Typically black with a gravel-like surface texture, asphalt shingles are the most common type of domestic home roof material in America. With proper care and upkeep, this type of roof will offer between 15 to 30 years of viable service before you’ll need to replace them entirely. Because of the nature of its overlapping construction, it’s also relatively easy to swap out or replace broken or damaged shingles.

Composition Shingles

Made from a wider variety of materials in a multilayer design that can include fiberglass, composition shingles have a slightly shorter lifespan, between 12 and 20 years before replacement is necessary. Like asphalt shingles, they may become damaged or lost periodically due to weather and exposure but can be replaced as needed.

Wooden Shingles

This type of roofing – as the name suggests – is made out of wood, often cedar for passive pest control, but also woods like cypress, pine, or redwood. This natural material is hardy and offers between 20 and 25 years of use before you will need to replace your wooden roof. While rot and pest-resistant woods and coatings are used, this type of roof material can be vulnerable to problems like moisture, mosses, mildew, and insects.

Metal Roofs

Metal roofs are durable and industrial, offering between 50 and 75 years of dedicated protection, on average. Because of their overlapping design and potential corrosion, these types of roof coverings are susceptible to leaks, so care must be taken to maintain and assess them regularly, usually bi-annually unless specific issues crop up. If they become dented or warped (think storm-fallen limbs), they can be expensive to repair or replace.

Rubber Roofs

A rarity in domestic neighborhoods and typically the domain of industrial buildings, rubber roofs last between 30 and 50 years before a full replacement is called for. Over time, particularly in hot, sunny, or damp climates, this roofing material may shrink and pull back at its seams, causing issues with peeling and leaks from moisture buildup and pooling.

Do I Need to Replace My Roof?

If you know when your roof was installed and the material falls within the normal lifespan, likely not unless you’re experiencing specific issues. That being said, if you are nearing the end of that lifespan or an in-place warranty is due to expire, it’s a smart move to schedule a full roof assessment.

In addition to regular visual inspections as you walk around your house or in your attic, it’s best to have a roofing company inspect, repair, and maintain your roof at least every other year. If your home is in an area with extreme weather or a great deal of direct sunlight and high temperatures, an annual checkup is an even better idea.

Blog content courtesy of Safeco Insurance

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