How Metal Roofs Save Money on Insurance

Metal Roofs Save Money on Insurance in Fort Worth

Metal roofs are known for their durability and longevity, but did you know that they can grant you insurance discounts as well? Many policy providers will give you a significant markdown if you’ve installed qualified metal roofing. In fact, you can save up to 30% on your insurance premium if you choose metal roofs for your property. There are three types of discounts you can get with metal roofing, specifically:

New Roof Discount

Most insurance companies give discounts for new roofs because these are less likely to have leaks or suffer from damage. This discount doesn’t only apply to new homeowners or buildings, but to newly added roofs as well. It’s also better to choose metal as your new roofing material because you’ll be eligible for more discounts in the future.

Impact Resistance (Hail Resistance) Discount

The impact resistance discount will depend on your roofing material, the roof-covering classification and the region your property is in. If your area is prone to heavy hail damage, you’ll get a bigger discount with a metal roof. As for the roof classification, it’s determined by the UL test standard 2218. A roofing material is considered to have impact resistance if it passes this test. The grade of the roofing material is rated from 1 to 4, with 4 being the highest.

To test the impact resistance of a roof, steel balls are dropped on the roofing material to simulate the effect of hail. If you have metal roofs, their rating typically passes at level 4. This means that you’re qualified to receive the best discounts. A metal roof also retains its impact resistance throughout its service life, which makes it the most durable roofing material available.

Fire Resistance Discount

Metal roofs are generally awarded a class A roof rating, which is the highest fire-resistance rating that can be designated. Class A roofs are preferred in areas prone to fires because they can:

  • Withstand burning brand that’s 12” X 12” and weighs 2000 grams
  • Last at least 2 to 4 hours without catching on fire
  • Allow a maximum flame spread of 6 feet
  • Resist 15 cycles of on and off gas flame

Fire resistance discount is not offered as often as impact resistance discount. However, don’t hesitate to ask your insurance provider about its availability. Properties that are located in areas where wildfires are a threat can double their savings, with a fire-resistant roof and fire resistance discount.

With the right metal roofing material, you too can receive the best insurance discounts. If you plan to have your current roof replaced with a metal one, contact Metal Roofs of Texas. We have the necessary equipment to install your roof properly and fast. We also offer several types of metal roof styles, to match your property’s design. Give us a call at 817-241-2126 and get a free quote today. Our services are available to commercial and residential buildings in Dallas-Fort Worth, Texas.