Making the choice to install a metal roof on your home comes with a myriad of benefits: it’s more energy efficient, which means it’s planet-friendly and brings down your energy bills.
It reflects heat, which keeps your home cooler during the summer months and helps provide insulation during the winter. It also lasts for much longer than a typical shingle roof!
While these are some major perks, don’t forget to also consider the insurance benefits that come along with owning a metal roof.
Why would my homeowner’s insurance be affected by a metal roof?
Turns out, the reasons that make a metal roof a great choice for your home are the same ones that your homeowner’s insurance agency will love.
Metal roofs are simply more durable, and they’re built to last. They’re tough enough to withstand major weather events, like heavy downpours and high winds. They’re also fire-resistant, plus they’re resistant to rot, water damage, and insect damage.
Simply put, a metal roof greatly decreases the likelihood that you’ll need to make a roof-related claim against your homeowner’s insurance policy– and the less claims you’ll need to make, the happier your insurance agency will be.
What factors do insurance agencies look at when insuring roofs?
Your homeowner’s insurance carrier looks at several different factors when determining the insurance rates you’ll pay for your home.
For roofs, insurers typically base rates off of the age of your roof and the materials it’s made from. An older roof made from less-durable materials could mean a much larger insurance premium!
Roof shape plays an important role, too.
For example, a flat roof is much more susceptible to water damage because there’s nowhere for water to go. A hip or gable roof is slanted, so gravity can take care of any water or debris buildup, but water is likely to simply pool on a flat roof.
What are the insurance benefits of owning a metal roof?
Metal roofs are simply more resilient and long-lasting than other types of roofs. They’re built to last through whatever gets thrown their way– sometimes literally!
A metal roof is much more impact-resistant than an asphalt shingle roof, so it’s less likely to sustain damage from flying debris during a bad storm or serious weather event.
In fact, a metal roof is so resistant to impact that you can save up to 30% on your insurance premium for having a metal roof, especially if you live in an area where hail storms are common.
Metal roofs are also energy-efficient, which means a decrease in energy bills but is also planet-friendly. Some metal roofs actually come with an ENERGY STAR® rating, which can come with tax credits– saving you even more money.
Should I get a metal roof for my home?
There are so many benefits to having a metal roof for your home that it’s hard to think of an argument against making the investment.
You want your home to be safe and secure no matter what the weather’s like, and you definitely want your roof to last as long as possible before it requires a repair or replacement. For those reasons alone, choosing a metal roof is the way to go!
To get in touch with the experts at Metal Roof Pros, give us a call or send us a message today. We’ll help you get started!