Insuraning A Home That Has A 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.

Insuraning a home that has a metal roof.

If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected. Premium reductions are not available for roofs other than qualifying metal roofs which have been overlaid onto existing roofs. Insurers often factor the type of roof and quality of material into their rebuild costs. Insurers know that metal roofs are safe and durable so don t expect to pay more for your policy.

Metal roofing materials that are attached as large panels tend to expand and contract. Metal roofs can be noisy especially during a heavy rain or hailstorm. There are several carriers however that exclude cosmetic damage to a metal roof whether caused by hail or a falling tree limb. In some states provinces use of qualifying impact resistant roofing products may qualify for significant premium discounts.

In addition installing a metal roof is a complex process. Just as a brick or stone home is cheaper to insure than a wood home a metal roof is cheaper than shingles. Adding more insulation during installation usually solves this problem but that may increase costs. While the life of a metal roof is much longer investing in a metal roof only makes sense if you plan to stay in your home long enough to enjoy the cost benefits.

Home insurance discounts are currently available in the following states and provinces. Most home insurance companies will write a home with a steel or metal roof. There s a lot of room for error so proper installation is a must. Roofs made of slate tile concrete shingles or metal offer the best protection but also cost the most to replace.

Every 2 years after 15 years. When a major storm is coming document the roof s condition before and after. There are a few though that won t if it s a tin roof but they tend to be the exception. Metal roofs and composite shingles.