Insuraning A Home That Has A Metal Roof

Roofs made of slate tile concrete shingles or metal offer the best protection but also cost the most to replace.

Insuraning a home that has a metal roof.

There are several carriers however that exclude cosmetic damage to a metal roof whether caused by hail or a falling tree limb. Every 2 years after 15 years. If a tropical storm hail hurricane or heavy tornado season are forecast have your roof inspected. Metal roofs and composite shingles.

Metal roofs cost about 500 per panel which adds up. Insurers often factor the type of roof and quality of material into their rebuild costs. Adding more insulation during installation usually solves this problem but that may increase costs. Metal roofing materials that are attached as large panels tend to expand and contract.

There are a few though that won t if it s a tin roof but they tend to be the exception. While the life of a metal roof is much longer investing in a metal roof only makes sense if you plan to stay in your home long enough to enjoy the cost benefits. Premium reductions are not available for roofs other than qualifying metal roofs which have been overlaid onto existing roofs. Home insurance discounts are currently available in the following states and provinces.

Metal roofs can be noisy especially during a heavy rain or hailstorm. When a major storm is coming document the roof s condition before and after. Most home insurance companies will write a home with a steel or metal roof. Still roofs that perform better will generally cost less to insure because you re less likely to have a claim.

In addition installing a metal roof is a complex process. A metal roof is more durable and damage resistant than shingles and that translates into less risk for the insurance company to insure. Just as a brick or stone home is cheaper to insure than a wood home a metal roof is cheaper than shingles. There s a lot of room for error so proper installation is a must.