Are you noticing signs that you need a new roof, like missing shingles, water damage, leaks in your attic, rotted roof sheathing, or mold and algae growth?
If you need a roof replacement, it’s an opportunity to learn about the best roofing options for durability and how to save money on your homeowner’s insurance premiums.
Impact-Resistant Roofing: Why it Matters
This is your key to unlocking significant discounts on your homeowner’s insurance. Roofing materials have come a long way, and modern roofing installations are all recognized as benefits by your insurance company.
By replacing your old roof with state-of-the-art, durable materials, insurance companies recognize that a new roof means less risk of future damage and claims.
This saves them money in the long run, and as an added benefit, they pass this savings along in the form of discounts on your homeowner’s insurance.
Modern Roofing Installations using Class 4 Shingles
The most popular type of roofing material is asphalt shingles, and the best roofing for durability is the Class 4 shingle.
They have the highest UL 2218 standard rating for impact resistance and are engineered to withstand severe weather conditions, including hail and damaging winds.
This superior shingle means there is a lower likelihood of roof damage requiring repair or replacement, so insurance companies are passing along these savings to homeowners.
For example, companies like State Farm and USAA are offering discounts for homes with Class 4 impact-resistant shingles, and others are following suit.
What Can I Expect? Potential Insurance Savings
Where you live, your insurance company, and the specifics of your policy all matter, but as a general rule, here are some estimates:
A new roof generally results in a 5% to 35% reduction in your annual insurance premium.
Impact-resistant, Class 4 shingles: The savings can be substantial, reaching up to 40% in some cases. For example, if your premium is $ 2,000 a year, a 13% discount, which is on the low end, would save you $260 annually.
Year after year, this easily justifies the switch. According to Value Penguin, replacing an old roof can save an average of $625 annually or 21% on your homeowner’s insurance.
Geographic locations: For example, in Colorado, which is prone to strong winds and damaging hailstorms, homeowners who switch to Class 4 impact-resistant shingle roofs are reporting savings of up to 25% on their monthly premiums.
How to Maximize Your Discount
- Consult with your insurer
- Choose qualifying materials like the Class 4 shingle
- Hire a certified contractor for installation
- Keep good records
- Notify your insurance company immediately after installation of your new roof.
Southern National Roofing understands the latest installation methods and the longest-lasting roofing materials for your specific location.
We have a strong commitment to quality craftsmanship, with a focus on personalized service that guides you through every step of the process.
Schedule a free roof inspection to discuss impact-resistant Class 4 shingles and how they can help reduce your insurance premiums today! free consultation today!
