A key factor that insurance companies consider when calculating homeowner's policy premiums is the type of residential roofing that covers a home.
Some roofing systems, like metal roofs, are preferred for their various protective qualities that are better than others.
Keep reading to learn why an installation by a professional metal roofing service is a great choice for homeowners looking to save money on their homeowner's insurance premiums!
Residential Roofing Choices Affect Insurance Premiums
When assessing risk and calculating homeowners insurance premiums, insurance companies factor in many residential roofing details, from the type and design of the roof to the materials used to cover it.
Among the various roofing systems available for residential installation, metal roofing is considered one of the safest by insurance companies.
When installed by a professional metal roofing service, metal installations are more durable and weather-resistant than many other comparably-priced systems.
Insurance carriers can offer premium discounts for homes with metal roofs as they provide greater risk prevention than many other less-resilient, more easily damaged systems.
Why Is Metal Roofing A Preferred Option to Lower Insurance Premiums?
Although insurance companies are there to pay for covered repairs when a home is damaged, their goal is to avoid paying out more than they collect in premiums.
Metal roofing is a preferred choice by insurance providers due to its many safety qualities, making it an ideal roofing choice.
- Extreme Weather Resistance - Metal roofing is durable against all weather conditions, from high heat and sunlight to heavy rains, winds, hail, and even heavy snowfall.
- Wind and Hail Resistance - High-quality wind-rated metal roofing can withstand hurricane-force winds and larger hail, reducing the risk of blow-offs and other roof and home damage.
- Fire Resistance - In areas where wildfires are common or homes are close together, metal roofing is a great protector as it does not burn.
Is Metal Roofing Really More Economical?
Homeowners considering different residential roofing options often believe that metal roofing is too expensive; however, when considering the long-term economics of their choice, it is actually a more cost-effective choice:
- Longer Lifespan - Requiring minimal maintenance when properly designed and installed by a professional metal roofing service, metal roofing can withstand the elements for half a century or more depending on the quality as well as the type and suffer less damage that requires costly roofing repair.
- Energy Efficiency - In climates that receive high sunlight, metal roofing is a preferred choice for its reflective properties that help keep homes cooler, reducing the amount of energy required to run the AC.
- Insurance Premium Discounts - Most homeowners insurance companies offer premium discounts to homeowners choosing metal as their roofing material, as it is more protective and minimizes their risk. In fact, homeowners typically enjoy premium reductions of 10 to 35% when they have a metal roof.
Get A Metal Roof And Enjoy Lower Insurance Premiums
When the time comes for new residential roofing, homeowners insurance companies approve of metal roofing for the ways it can protect homes.
A new roof installed by a qualified metal roofer offers homeowners the benefits of extreme weather resistance, reduced insurance premiums, and much more.
An experienced metal roofing service can help any homeowner choose a roofing system that pleases their taste and is within their budget for the most cost-effective protection that comes with an insurance premium discount!
