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Can Metal Roofing Lower Your Insurance Premiums?

When planning a full replacement, you might be wondering if metal roofing is worth the investment. The upfront costs are higher compared to other roofing materials, but that also means you save more money over time. You get better energy efficiency since both light and dark colors reflect heat effectively during summer to reduce cooling loads. You also get longer warranties, with most manufacturers offering at least 40 years of coverage.

Installing a durable metal roof can definitely be the way to go.

But can a metal roof replacement also lower your insurance premiums? It depends on certain factors.

The Factors to Consider

This includes the type of roofing material currently installed as well as the risk of weather damage. Some materials are at greater risk of fire, such as wood shakes, as compared to metal roofing. The same applies to water damage, which is why your insurance premiums are higher on certain materials. It helps to talk to your insurance agent to learn more details about which type of materials have lower premiums.

A metal roof replacement offers the best value for your home. Not only do these systems weigh less than most materials, but you also get the best wind and hail protection as well. Metal roofs are also non-combustible materials; they’re classified with a Class A rating, which is the best you can get in fire roof protection!

Some Are More Willing to Provide Reduced Rates

Depending on where you live and what type of insurance policy you have for your roof, your provider may be more than willing to lower your premiums. This is because metal roofs are tough and durable against extreme weather conditions, particularly hail damage. Compared to fiberglass or asphalt shingles, metal roofs have much higher impact resistance and hail rating from insurance commissions in or around the hail belt areas across the country.

Whether you need a tile, shingle or metal roof replacement, our team of certified contractors always gets the job done right. Call Bay Valley Contractors today at (925) 705-7889, or you can conveniently reach us online!

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