Insuraning A Home That Has A Metal Roof

A properly installed metal roof can last a lifetime.

Insuraning a home that has a metal roof.

It is not so much that you are being rewarded for the metal roof it is just that having one reduces. Its condition should be documented. But usually you re covered only if the damage or. In addition installing a metal roof is a complex process.

The condition of your roof affects the value of your home so maintenance is imperative especially on an aging roof. There are a few though that won t if it s a tin roof but they tend to be the exception. But no matter what roof style you have metal roofs can be an attractive option because of their longevity minimal maintenance and energy efficiency. When a major storm is coming document the roof s condition before and after.

There are several carriers however that exclude cosmetic damage to a metal roof whether caused by hail or a falling tree limb. In some states provinces use of qualifying impact resistant roofing products may qualify for significant premium discounts. A typical all perils homeowners insurance policy does cover your roof and the cost of replacing it if it gets damaged. A metal roof is more durable and damage resistant than shingles and that translates into less risk for the insurance company to insure.

Roofs protect homes from the elements which also prevent home insurance claims. With that mind many insurers view roofs as critical. If you re looking to save energy metal roofs are excellent in that regard. Metal roofs cost about 500 per panel which adds up.

Whether you re putting a roof on a new home or your existing roof requires a total makeover there are many materials available. And you can choose from tin zinc aluminum copper or galvanized steel just make sure your metal roofing. Have a roofing professional inspect it every few years. If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected.

Home insurance discounts are currently available in the following states and provinces. Metal roofs and composite shingles. Most home insurance companies will write a home with a steel or metal roof. Home insurance companies view roofs as one of the most important parts of a home.

If you have a damaged roof you re likely going to have problems within your home that will lead to more claims. Premium reductions are not available for roofs other than qualifying metal roofs which have been overlaid onto existing roofs. Every 2 years after 15 years. Just as a brick or stone home is cheaper to insure than a wood home a metal roof is cheaper than shingles.

That s the good news.