6 Roof Factors That Can Affect Your Homeowners Insurance Premium

Written by Acoma Roofing on . Posted in Roofing

Like most homeowners, you want to spend as little as you can on your homeowners insurance policy while still obtaining great coverage. You can help lower your homeowners insurance premium while preserving your good coverage by investing in a new roof, making roof upgrades, or even just obtaining a simple, low-cost roof inspection.

Read on to learn six roof factors that most homeowners insurance companies review when calculating insurance premiums, and keep these factors in mind when you make roofing decisions. 

Read on to learn six roof factors that most homeowners insurance companies review when calculating insurance premiums, and keep these factors in mind when you make roofing decisions. 

1. Roof Age 

Homeowners insurance companies in many states offer insurance premium discounts when a home has a roof that is relatively new.

This discount is provided because a newer roof tends to protect a home from the elements more effectively than an old, failing roof can. Speak to your insurance agent to determine if you can lower your premium by replacing your roof just a bit sooner than you may have planned. 

2. Roof Type 

Most homeowners insurance companies keep your roof type in mind when they calculate your annual insurance premium. And they may provide discounts to homeowners who have roofs made of the most durable materials on the market. 

Many insurance companies provide the largest discounts to homeowners with metal roofs because these roofs are extremely durable and fire-resistant. Many also offer discounts to homeowners with slate or tile roofs, which are also very durable and fire-resistant.

3. Roof Shape

Some insurance companies keep roof shape in mind, especially in areas of the country prone to hurricanes, tornadoes, and other high-wind weather events. In these areas, premium reductions are provided when a roof has a more wind-resistant shape that helps reduce the chance of wind uplift and other forms of wind damage. 

Gable roofs that consist of only two sloping sides are more easily damaged by strong winds than other roof types. If you have this roof style on your home, you can expect to pay a higher home insurance premium than someone who has a more aerodynamic roof shape, such as a four-sided hip roof. 

4. Overall Wind Resistance

Many homeowners insurance companies also offer special wind mitigation credits to homeowners with roofs that have additional features that further increase roof wind resistance. To obtain these credits, you need to obtain a wind mitigation inspection from a roofing expert authorized to perform it.

While performing this inspection, the roofing expert will look for secure roof-to-wall connections, a quality roof deck attachment, a wind-resistant roof covering, secure roof bracing, and other features that increase roof wind resistance. 

While the cost of this inspection can vary, most homeowners see a reduction in their annual homeowners insurance premium that more than covers the cost of the inspection during just the first year after the inspection is performed. You then only have to have this inspection performed every five years to continue obtaining wind mitigation credits. 

5. Fire Resistance

If you live in an area of the country that is prone to wildfires, then your homeowners insurance company may provide a fire-resistant roof discount. When your roof is made of a fire-resistant material, the chance that your entire home will catch on fire can be dramatically lower. 

Most homeowners insurance companies decide whether a roof material qualifies for this discount by determining its fire rating class. For example, class A roof materials are the most fire-resistant roof types available, while Class B roof materials are slightly less fire resistant, and Class C roof materials provide only light fire resistance.

Most fire-resistance discounts are only provided to homeowners with roofs made from Class A roof materials. 

6. Impact Resistance

The more impact resistant a roof is, the less likely it is to become damaged if large hail or flying objects hit it during a severe weather event. 

Some impact-resistant roof discounts can shave as much as 35 percent off your annual premium if you live in an area where roofs are prone to being damaged in hail storms, although some discounts can be much smaller. 

All roof materials are given an impact-resistance rating that ranges from Class 1 to Class 4. While every insurance company that offers with discount will provide it for roof materials with Class 4 impact ratings — which is the rating given to the most impact-resistant roof materials on the market — some insurance companies may provide smaller discounts for roofs with Class 3 impact ratings. 

All homeowners insurance companies take the condition of a home’s roof into account when calculating a client’s annual premium, and many offer discounts to homeowners with high-quality roofs that are damage-resistant and protect the homes underneath them well.

Contact the roofing experts at Acoma Roofing, Inc., to schedule a roof replacement or a roof wind mitigation inspection today. We look forward to working with you so your home can be both protected from the elements and qualify for lower insurance premiums.

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Acoma Roofing, Inc.

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