California Commercial Insurance: Roof Fire Protection

When it comes to your California commercial premises, developing a roof maintenance plan helps to reduce the risk of damage from fire and may also mean less risk that you’ll need to file claims against your California commercial insurance policy. This could even lead to lower premiums on your commercial insurance.

It helps if your roof is constructed from fire-resistant materials. In the case that it isn’t, it might pay to consider replacing it with one made from “Class A” fire-resistant materials. Class A materials include asphalt shingles, clay tiles, steel and copper. Treated wood shakes and aluminum generally fall into Class B and recycled plastic and rubber into Class C. Fire-resistance ratings depend to some extent on the roof finish and treatment as well as the underlying materials.

It’s a good idea to have a roof inspection if you are unsure of its fire-resistance rating. You should also develop a roof maintenance plan schedule which includes clearing of debris and leaf litter from gutters, drains and vertical wall-to-roof intersections. Roof and attic vents should also be cleared of debris and / or covered with fine metal mesh as a safety precaution.

Roof maintenance should be included in your buildings and grounds maintenance budget, for the safety of your commercial enterprise, your employees and your property. Taking care of your roof may also mean that you save money on your California commercial insurance premiums and out-of-pocket costs.