When homeowners think about replacing their roof, the first concerns that usually come to mind are cost, durability, and curb appeal. But there’s another significant factor that often gets overlooked—home insurance premiums. Since your roof is your home’s first line of defense against the elements, insurers place a lot of weight on its age, condition, and material. That leads to the big question many homeowners ask: Will a new roof lower my insurance?
The short answer is yes, in most cases, a new roof can reduce your insurance premiums. However, the savings you’ll see can depend on your insurer, your location, and the type of roof you install. In this article, we’ll dive deep into why a roof replacement impacts your insurance, what roofing materials matter most, and how to maximize your discounts.
Why Do Insurance Companies Care About Your Roof?
Your roof is one of the most important parts of your home when it comes to protecting against costly damages. A failing or outdated roof increases the risk of leaks, water damage, mold growth, and even structural problems. For insurance companies, that means more potential claims—and higher risk.
Here are a few reasons why insurers closely evaluate your roof:
- Age of the Roof – Most insurance companies are cautious about covering homes with roofs older than 15–20 years. Older roofs are more likely to fail during storms, increasing claim payouts.
- Roof Material – Some materials, like asphalt shingles, wear out faster, while others like metal or slate are more durable. Insurance providers adjust premiums based on how resilient your roof is.
- Weather Resistance – In areas prone to hurricanes, hail, wildfires, or heavy snowfall, the type of roofing material and its resistance to damage play a huge role in determining premiums.
- Maintenance History – If your roof shows signs of poor maintenance, curling shingles, or sagging, insurers may view your property as high-risk.
By installing a new roof, you’re showing your insurance company that you’ve reduced these risks. In return, they often reward you with lower premiums or special discounts.
How Much Can a New Roof Lower My Insurance?
The amount you can save varies, but many homeowners see premium reductions between 5% and 35%after replacing their roof. For a policy that costs $1,500 annually, that could mean savings of $75 to $525 per year. Over the lifespan of your new roof, these savings can add up significantly.
Your actual savings will depend on:
- Roof type (asphalt, metal, slate, clay tile, impact-resistant shingles, etc.)
- Location (hurricane-prone Florida vs. mild-weather states)
- Insurance provider (some companies offer better roof replacement discounts than others)
- Certification (having your new roof inspected and certified for impact or fire resistance can boost savings)
Roofing Materials That Get the Biggest Insurance Discounts
Not all roofing materials are created equal in the eyes of insurers. Certain materials provide better resistance against wind, hail, fire, and other hazards. Here’s how different roofing materials may affect your home insurance:
1. Metal Roofing
- Highly durable and resistant to fire, wind, and hail.
- Lifespan of 40–70 years.
- Many insurance providers offer significant discounts for metal roofs because they drastically reduce risk.
2. Impact-Resistant Shingles
- Special shingles rated to withstand hail and debris impacts.
- Popular in storm-prone regions.
- Can lead to major discounts on premiums in areas with frequent hailstorms.
3. Clay or Concrete Tile
- Excellent fire resistance and durability.
- Common in warmer climates.
- Can lower insurance rates, but cost of installation is higher.
4. Slate Roofing
- Extremely long-lasting (up to 100 years).
- High fire and impact resistance.
- Expensive upfront, but can yield maximum insurance benefits.
5. Asphalt Shingles
- The most common roofing material in the U.S.
- Lower cost, but insurers may not give as high of a discount compared to metal or tile.
- Opting for upgraded or impact-resistant asphalt shingles can help maximize insurance savings.
Roof Features That Can Help Lower Insurance Premiums
When replacing your roof, consider adding features that insurers view as protective investments:
- Hurricane Straps & Tie-Downs – Reinforces your roof during strong winds.
- Fire-Resistant Materials – Especially valuable in wildfire-prone areas.
- Water-Resistant Underlayment – Provides extra protection against leaks.
- Proper Ventilation & Insulation – Helps prevent ice dams in colder climates.
By combining a new roof with these safety features, you can often qualify for additional discounts.
How to Get Insurance Discounts for a New Roof
Simply replacing your roof doesn’t automatically lower your premiums—you’ll need to notify your insurer and sometimes provide documentation. Here’s how to ensure you receive your savings:
- Contact Your Insurance Company Before Replacement
- Ask what materials qualify for the biggest discounts.
- Request details about required certifications or inspections.
- Choose an Insurance-Friendly Roof
- Opt for impact-resistant, fireproof, or wind-resistant roofing when possible.
- Get Proof of Installation
- Save receipts, warranty details, and contractor certifications.
- Schedule a Roof Inspection
- Some insurers require an inspector to verify the roof’s materials and installation quality.
- Request a Policy Update
- Once approved, your insurance provider will adjust your premiums.
Situations Where a New Roof Might Not Lower Insurance
While most homeowners benefit from reduced premiums after a roof replacement, there are exceptions:
- If you choose the same low-rated material (e.g., replacing old asphalt shingles with standard shingles).
- If your insurer already factored in your old roof’s condition and won’t adjust until your next renewal.
- If you live in a low-risk area with mild weather and low claim frequency.
- If the roof replacement wasn’t done to code or lacks proper documentation.
That’s why it’s essential to communicate with your insurance company before investing in a new roof.
Other Financial Benefits of a New Roof
Beyond lowering insurance premiums, a roof replacement can provide long-term financial value:
- Increased Home Value – A new roof boosts resale value and attracts buyers.
- Lower Energy Bills – Modern roofing materials improve insulation and ventilation.
- Fewer Repairs – A durable roof means less money spent on emergency fixes.
- Peace of Mind – Reducing the risk of water damage and costly insurance claims.
Replacing your roof is a major investment, but it’s not just about aesthetics or protecting your home—it can also pay off through lower home insurance costs. By choosing durable, impact-resistant, and fireproof roofing materials, you can maximize your insurance discounts while increasing your property’s value.
If you’re considering a roof replacement, start by speaking with your insurance provider. Ask which roofing materials and features qualify for discounts in your area. By making informed choices, you’ll enjoy both the peace of mind of a new roof and the financial benefits of reduced insurance premiums.
With these factors in mind, and help from a professional general construction and roofing company like MBA Construction Corp, you’ll be able to create a beautiful and cohesive look that will last for years. For over 15 years, MBA Construction Corp has been the trusted professional roofer in Seattle and the Puget Sound area, contact MBA Construction today to get started! Or call 206-753-9563.