Yes, it is possible to qualify for insurance discounts for a metal roof, but there are many variables to be considered. First, let’s look at the possible discounts.
- The most common discount from insurers is the hail/impact-resistant roof discount. Your insurer may restrict this discount to certain roof panel profiles, but more likely will judge by the UL impact rating. Some insurers may require you to sign a waiver releasing them from aesthetic claims.
- Some insurers, especially in wildfire-prone regions, may offer a discount for fire-resistant roofs. If this is offered, it will be based on the roof’s UL rating and the risk assessment of your property location. Metal roofs nearly always have a class “A” rating, because they’re non-combustible.
- Certain insurers may give an overall “metal roof” discount. State Farm historically has been one of the insurers to offer such a discount.
- The EnergyStar program for roofs, while not an insurance discount, was a tax rebate incentive. Unfortunately, this program was sunsetted in 2016 for metal roofs.
- A “new roof” discount is often offered by many insurers for roofs of several types. Even if you’re already insured, call your agent if you get a new roof – you may get a significant discount due to your roofing investment.
The bottom line is, while there are many possibilities for insurance discounts, there are many variables that can affect that outcome, such as property location, your insurer’s programs, or your roof type and condition. Your first and best course of action? Call your insurance agent!
