Metal roofs are a great option due to their strength, durability and performance. Apart from these qualities, metal roofing can also lower your homeowner’s insurance premiums. However, this may not apply to everyone, so it’s still best to check with your agent or insurance company first.
In this post, residential roofing specialist M & A Roof Home Improvement discusses how a metal roof can possibly lower the premiums that you’re paying for your homeowner’s insurance.
Will My Insurance Premiums Go Down if I Choose Metal Roofing?
Many homeowners have found themselves paying for lower homeowner’s insurance premiums after installing a metal roof. But take note that this benefit may not be applicable to everyone since insurance companies have to consider the circumstances in every case.
For instance, the current roof system that you have could affect your chances of getting lower premiums after a metal roof installation. If you have wood shake roofing, this usually means a greater risk for a fire. So even if you swap out your shake roof for a metal roof, your insurance company might not agree to a lower premium due to your wood shake roof’s potential for a fire.
However, other insurance companies may be inclined to give you a discount on your insurance premium if your home currently has wood shake and certain other roofing that you would be replacing with a metal roof. By switching to metal roofing, you are essentially making your home more durable and less prone to water damage and fires.
That said, it really depends on your insurance company. Some insurers are very particular with the current type of roofing that you have, while others don’t consider it as a crucial factor.
Advantages of Metal Roofing
Although you may not successfully get lower premiums with a metal roof, your roofing contractor may still encourage you to choose this type of roofing due to the other advantages it can give you. Below are some of them:
- Longer warranties – It’s common for metal roofs to come with a 40-year manufacturer warranty. Aside from that, roofing companies may also offer a longer workmanship warranty.
- Energy efficiency – Metal roofs can reflect heat effectively, thus contributing to reduced cooling loads in the summer and improved insulation in the winter. This could mean lower energy bills throughout the year.
- Recyclability – Metal roofs are typically made from 25% recycled content. They are also 100% recyclable after the end of their service life, so the material does not simply end up in a landfill.
M & A Roof Home Improvement is a locally owned roofing company that is dedicated to providing excellent workmanship and customer service. We specialize in roof repair and replacement as well as siding and gutter installation and pressure washing. Call us at (757) 779-5244 or fill out our contact form to request a free quote. We serve customers in Norfolk and Virginia Beach, VA.
