Metal roofing, in general, is resilient against the elements. It could last for years without needing any significant repairs. The qualities that a metal roof has makes the perks undeniable. However, the more important question is whether or not switching to a metal roof could lower insurance premiums. Insurance providers like it when the home is well-built. This gives them confidence and there’s less risk involved. This will then be the reason why they would lower insurance premiums. However, does it apply to new metal roofs?
Will a metal roof lower insurance premiums?
The answer really depends on where you look. Not all insurance providers offer the same incentives for people who choose to install a new Metal Roof Columbia, SC. In some cases, insurance companies might see that the risks are lowered with metal roofing, making them more likely to lower premiums. However, it might not be the case for the rest of the insurance companies out there. It all boils down to whether or not your insurance provider deems it fit to lower your insurance premiums.
Possible Insurance discounts for homeowners who choose to install metal roofing
New roof discount
We already know that metal roofs are less susceptible to damage. Insurance providers could lower premiums for new or even roof replacements. However, you will need to go through certain steps to be able to take advantage of such discounts. What you need to do is hire a roofing contractor that knows how to deal with insurance claims for roof-related concerns. This way, you can get advice on what type of products from certain brands yield the most discounts.
Impact resistance discount
Given the sturdiness of metal roofing, your insurance provider might lower rates based on the quality of the materials. However, the metal roofing your install must be of a certain grade in order to qualify for the discounts. In most cases, you need a roof with a Class 4 impact rating.
Fire resistance discount
This type of discount isn’t usually given out to homeowners. However, you should check with your insurance provider if you are qualified. In most cases, your metal roof should have a Class A fire rating to be able to qualify for discounts.
Metal roofs don’t retain heat for very long and that’s a good thing. When coated with highly reflective paint, metal roofs can easily deflect heat aware from the home. Some brands that are ENERGY STAR®-rated can earn you some tax incentives. However, you need to be clear with what your local government’s regulations regarding this.
In general, your metal roof will serve you well. However, that is only if it is installed by a professional roofer like CHS Roofing Contractors. The roofing material you use is just one part of the puzzle. Hiring the right roofer will always lead to a better roof.
If you need reliable roofing services, you can count on CHS Roofing Contractors. You may reach us at (803) 973-7426.
CHS Roofing Contractors
Columbia, SC 29203