INSURANCE
Why Insurance Companies Reward Metal Roofing
Insurance companies often provide discounts or incentives for homeowners with metal roofs because they are seen as a lower risk investment. Metal roofing is highly resistant to wind, hail, fire, and severe weather—conditions that often drive up insurance claims. For insurers, that means fewer payouts and less costly damage, which allows them to pass savings back to homeowners. Depending on your location and provider, a quality metal roof may reduce your homeowner’s insurance premiums by 5% to 35%. Not every insurer offers this discount, so it’s worth asking your agent if your roof qualifies.
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Lowering Insurance Costs in a Rising Market
Across the U.S., homeowners are experiencing skyrocketing insurance costs, especially in states like Florida and California, where climate-driven disasters have pushed coverage rates higher—or made policies harder to get at all. That’s why material choice has never been more important when reroofing. Metal roofs not only help protect against high winds, heavy snow, hail, and fire (with Class A fire ratings and Class 4 hail protection ratings per UL 2218), but they also last significantly longer than asphalt or wood. Insurance companies factor these qualities into your premiums, often rewarding homeowners who invest in durability and resilience. In an era of rising costs, your roof can be the difference between affordable coverage and financial strain.
What Insurers Look For—and How Metal Roofing Helps
When insurance companies evaluate your home for coverage, your roof plays a central role. Here are five common factors—and how a quality metal roof can work in your favor:
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Material strength: Metal is one of the most durable and insurer-preferred roofing types, outlasting asphalt and wood while resisting fire and extreme weather.
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Roof shape: Hip roofs and other designs with metal panels can perform better under high winds, reducing risk.
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Installation quality: Certified installation ensures weather-tight performance and claim eligibility.
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Roof age: Because metal lasts 50+ years, insurers may view it as less depreciated compared to shorter-lived materials.
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Maintenance: Metal requires less upkeep, lowering your likelihood of future claims.
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For homeowners, the takeaway is clear: choosing metal roofing can lead to stronger coverage options, lower premiums, and greater long-term protection. Always review your policy details, compare quotes, and notify your insurance provider of roofing upgrades to maximize savings.
Save on Home Insurance with Impact-Resistant Metal Roofs – Ask Your Agent!
While homeowner’s insurance policies are all unique, many companies do offer discounts when you protect your home with an impact-resistant metal roof. The MRA recommends homeowners ask their insurance agent for more information regarding their current policy and what options are available to cover their home.