In some states provinces use of qualifying impact resistant roofing products may qualify for significant premium discounts.
Insuraning a home that has a metal roof.
Home insurance companies view roofs as one of the most important parts of a home.
Just as a brick or stone home is cheaper to insure than a wood home a metal roof is cheaper than shingles.
That s the good news.
If you re looking to save energy metal roofs are excellent in that regard.
Metal roofs and composite shingles.
Have a roofing professional inspect it every few years.
Metal roofs cost about 500 per panel which adds up.
When a major storm is coming document the roof s condition before and after.
There s a lot of room for error so proper installation is a must.
But no matter what roof style you have metal roofs can be an attractive option because of their longevity minimal maintenance and energy efficiency.
Whether you re putting a roof on a new home or your existing roof requires a total makeover there are many materials available.
But usually you re covered only if the damage or.
There are several carriers however that exclude cosmetic damage to a metal roof whether caused by hail or a falling tree limb.
With that mind many insurers view roofs as critical.
Most home insurance companies will write a home with a steel or metal roof.
A metal roof is more durable and damage resistant than shingles and that translates into less risk for the insurance company to insure.
Premium reductions are not available for roofs other than qualifying metal roofs which have been overlaid onto existing roofs.
Home insurance discounts are currently available in the following states and provinces.
If you have a damaged roof you re likely going to have problems within your home that will lead to more claims.
And you can choose from tin zinc aluminum copper or galvanized steel just make sure your metal roofing.
A properly installed metal roof can last a lifetime.
In addition installing a metal roof is a complex process.
It is not so much that you are being rewarded for the metal roof it is just that having one reduces.
Roofs protect homes from the elements which also prevent home insurance claims.
Its condition should be documented.
If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected.
The condition of your roof affects the value of your home so maintenance is imperative especially on an aging roof.
Every 2 years after 15 years.
A typical all perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged.
