From 2013 to 2023, commercial insurance costs have nearly doubled. Following this trend, it can be estimated that insurance costs in 2030 can be as much as $4,890. This is due to a number of factors, such as inflation or severe weather events. But, regardless of the cause, there are still some measures to keep insurance premiums lower now and in the future.

One of the most common discounts for commercial insurance is by getting your annual roof inspection done. While the report alone is usually enough for a credit, this inspection has a compounding effect. Since any deficiencies are being located in the roof, surprise roof damage is much less likely to happen. In turn, this ensures you can proactively get maintenance done and avoid any claims that would skyrocket your insurance policy’s premium.

Depending on the location of the building, certain maintenance might be more necessary than others. For example, homes in the Midwest can keep their insurance costs down by installing heat tape to prevent snow buildup in the winter months. In more coastal locations, drain cleaning is much more important due to heavy rain.

Ultimately, proactive roof maintenance not only serves to lower insurance costs but it also ensures the roof’s longevity. In order to keep premiums low, taking preventative steps and getting frequent inspections are absolutely essential.