{"id":4151,"date":"2021-09-24T09:00:35","date_gmt":"2021-09-24T09:00:35","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4151"},"modified":"2023-01-05T10:15:30","modified_gmt":"2023-01-05T10:15:30","slug":"can-i-reduce-my-homeowners-insurance-premiums-by-putting-on-a-new-roof","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/can-i-reduce-my-homeowners-insurance-premiums-by-putting-on-a-new-roof\/","title":{"rendered":"\u00bfMi seguro de propietario de vivienda costar\u00e1 menos si reemplazo el techo?"},"content":{"rendered":"

Es comprensible que muchos propietarios prefieran posponer la instalaci\u00f3n de un techo nuevo durante el mayor tiempo posible. A\u00fan as\u00ed, si su techo es m\u00e1s antiguo y necesita reparaciones con frecuencia, hay algunos posibles beneficios de seguro de hogar que podr\u00eda disfrutar de un techo nuevo. Uno de ellos es la posibilidad de primas m\u00e1s bajas. Esto es lo que necesita saber sobre <\/span>seguro de hogar<\/span><\/a> descuentos al sopesar la reparaci\u00f3n de su techo frente a las opciones de reemplazo.<\/span><\/p>\n

Los da\u00f1os en el techo no siempre est\u00e1n cubiertos por el seguro de vivienda<\/h2>\n

De acuerdo, un techo nuevo es una gran inversi\u00f3n. El costo promedio para reemplazar un techo, seg\u00fan HomeAdvisor, es de alrededor de $8,000. Sin embargo, esta es una inversi\u00f3n que vale la pena considerar si es m\u00e1s probable que el techo que tiene ahora se vea afectado por cualquiera de los siguientes tipos de da\u00f1os: <\/span>
\n<\/span>
\n<\/span>\u2022 Da\u00f1os relacionados con tormentas<\/span>
\n<\/span>\u2022 Da\u00f1os por vientos fuertes<\/span>
\n<\/span>\u2022 Fugas y da\u00f1os relacionados a estructuras dentro de su hogar<\/span>
\n<\/span>
\n<\/span>Adem\u00e1s, no todos los da\u00f1os relacionados con el techo est\u00e1n cubiertos por una p\u00f3liza de seguro de hogar t\u00edpica. Es com\u00fan que las p\u00f3lizas cubran da\u00f1os por accidentes inesperados, como la ca\u00edda de un \u00e1rbol, o actos de la naturaleza, como una tormenta severa. Por otro lado, los problemas que resultan del uso y desgaste o la edad generalmente no est\u00e1n cubiertos ni son elegibles para reembolso. Dado que un techo nuevo a menudo es menos susceptible a da\u00f1os costosos, el reemplazo de un techo m\u00e1s antiguo o propenso a da\u00f1os puede justificarse solo por este motivo.<\/span><\/p>\n

Los ahorros potenciales en seguros dependen de varios factores<\/h2>\n

En cuanto a si un techo nuevo puede o no reducir las primas de su seguro de hogar, este podr\u00eda ser el caso si su proveedor ofrece tales beneficios para los asegurados. De hecho, no es inusual que los proveedores de seguros de hogar recompensen a los asegurados con descuentos por mejoras significativas en el hogar, y un techo nuevo ciertamente encaja en esta categor\u00eda. Tambi\u00e9n es com\u00fan que los proveedores de seguros consideren varios factores al determinar si se pueden aplicar descuentos en las primas. Algunos de los m\u00e1s comunes incluyen: <\/span>
\n<\/span>
\n<\/span>\u2022 Materiales utilizados para el nuevo techo<\/span>
\n<\/span>\u2022 Condiciones meteorol\u00f3gicas habituales en la zona<\/span>
\n<\/span>\u2022 D\u00f3nde est\u00e1 ubicada la casa (p. ej., si hay o no \u00e1rboles cerca, etc.)<\/span>
\n<\/span>
\n<\/span>Los descuentos para mejoras en el hogar generalmente oscilan entre el 5 y el 35 por ciento o m\u00e1s, seg\u00fan algunas estimaciones. A nivel individual, su proveedor tambi\u00e9n puede considerar la antig\u00fcedad de su techo anterior, su historial de reclamos relacionados con ese techo y si su nuevo techo est\u00e1 dise\u00f1ado de una manera que brinde protecci\u00f3n adicional contra los riesgos comunes en su \u00e1rea.<\/span><\/p>\n

Hable con su agente de seguros<\/h2>\n

Si habla con su agente de seguros antes de continuar con la actualizaci\u00f3n del techo, probablemente le dar\u00e1n una estimaci\u00f3n general de qu\u00e9 tipo de descuentos podr\u00eda recibir seg\u00fan su p\u00f3liza. Es probable que se proporcione una cifra m\u00e1s espec\u00edfica cuando sea el momento de renovar, siempre que se haya realizado el trabajo del techo. Tambi\u00e9n puede preguntarle a su agente sobre los riesgos relacionados con el hogar que son comunes en su \u00e1rea. Esta informaci\u00f3n puede ser utilizada por usted y su contratista de techos para tomar decisiones sobre los materiales y la naturaleza de la instalaci\u00f3n de su techo.<\/span><\/p>\n

Para obtener un seguro de vivienda asequible y confiable, los propietarios de viviendas de San Diego saben que pueden confiar en Altra Insurance Services. Tambi\u00e9n proporcionamos alquileres, comerciales, motocicletas y <\/span>seguro de auto chula vista<\/span><\/a>. Solicite una cotizaci\u00f3n gratis llamando a uno de nuestros amigables agentes hoy al (800) 719-9972.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Es comprensible que muchos propietarios prefieran posponer la instalaci\u00f3n de un techo nuevo durante el mayor tiempo posible. A\u00fan as\u00ed, si su techo es m\u00e1s antiguo y necesita reparaciones con frecuencia, hay algunos posibles beneficios de seguro de hogar que podr\u00eda disfrutar de un techo nuevo. Uno de ellos es la posibilidad de primas m\u00e1s bajas. Esto es lo que t\u00fa... <\/p>\n

Continue reading “Will My Homeowners Insurance Cost Less if I Replace the Roof?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4152,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-4151","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"yoast_head":"\nWill a New Roof Lower My Home Insurance Premiums?<\/title>\n<meta name=\"description\" content=\"Making repairs and replacing certain elements of a home can lead to discounts on home insurance. 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