The Confusing Part
Many homeowners see premiums rise even with no claims.
Roof loss cycles are a major driver of that drift.
How It Works
Hail and wind seasons create clustered roof losses. Carriers reprice entire books to stabilize loss ratios.
That repricing affects even clean accounts because it is portfolio-level, not personal.
Where It Breaks Down
Shopping stops working when all carriers in your region are tightening at the same time.
The Tradeoffs
- Lower premium by changing structure, but more retained loss.
- Stay with a carrier and absorb repricing, or move to a new appetite tier.
What Moves the Outcome
Risk Signals
- Roof age, condition, and local loss history
- Prior roof claims and frequency
Coverage Structure
- Settlement method (ACV vs RCV)
- Roof endorsements and deductibles
Market Context
- Carrier appetite for roof-heavy markets
- Repricing cycles after regional events
Deeper context
For the broader cycle story, see What Actually Triggers a Roof-Driven Repricing Year.
How to Decide
If your carrier is de-risking roofs, shop for appetite fit. If not, adjust coverage.
Minnesota note: rates and carrier appetite can swing by county, so a Twin Cities renewal isn’t always a perfect proxy for greater Minnesota.