Home insurance premiums vary according to the age of the home, location, condition and your credit rating. Eligibility requirements and premiums for coverage may be determined by previous loss experience and age of the dwelling.
Windstorms, fire and hail storms do not result in catastrophic damage. But hail causes some significant damages to your home. The most affected part of home because of hail damage will be your house roof. You can mitigate damage if there is hail damage and this can help you reduce your Indiana home insurance premium.
a.Roof Covering : Materials that have been used for building the roof and the condition of the roof can improve on the resistance. Asphalt shingles is liable to hail damage. There are roof coverings which has impact-resistant coverings. It is designed and also tested to amend the performance of the roof during the hailstorms. This reduces the potential damage and also the premium.
b. Roof Decking : Your roof will be covered with roof decking, which will provide structural support. The resistance of roof will be improved by roof decking. Hail damage can be reduced and the roof stiffness can be improved by using good material and also improving on construction techniques.
c. Roof Slope : The force of impact of hail can be reduced if the roof is angled. If the hail hits the roof at 90 degree then the damage caused by the hail will be more. Angling of the roof can reduce the force of crash from hail. When the hail hits the roof at a 90-degree angle, it causes more damage.