Does Installing a Metal Roof Really Lower Your Home Insurance Premiums

Does Installing a Metal Roof Really Lower Your Home Insurance Premiums?

As a homeowner, you know that insurance rates can vary wildly based on many factors. Your home’s roof plays a significant role in determining your premiums. So when you hear that metal roofing may lower your costs, it gets your attention.

But is it true? Will a metal roof really reduce what you pay for home insurance?

The short answer is yes – in most cases, metal roofing qualifies you for insurance discounts. Let’s look at why this durable material earns you savings, myths to ignore, and how to get the lowest premiums.

Key Takeaways

Installing metal roofing is one of the best ways to lower home insurance costs. Keep these tips in mind:

  • Metal roofing lasts exponentially longer than alternatives like asphalt shingles. Longevity is very appealing to insurers.
  • Metal strongly resists hail, wind, snow, and other storm damage. This reduces risk for insurance providers.
  • Metal does not ignite or fuel fires. Its fire safety earns additional discounts from most insurers.
  • Do not believe common myths about noise, aesthetics, and lightning. Modern metal roofs are attractive, quiet, and safe.
  • Actual insurance discounts for a metal roof range from 5-15% in most cases. Verify with your agent first.
  • Follow key steps to guarantee you get the maximum discount after installing a metal roof.

Why Insurance Companies Reward Metal Roofs?

Metal roofing lasts far longer than alternatives like asphalt shingles. It also withstands severe weather incredibly well. These qualities make metal very appealing to insurers.

Extreme Durability

An asphalt shingle roof typically lasts 15-20 years. Tile roofs may survive 30 years or more with proper care. Meanwhile, metal roofing easily exceeds 50 years even in tough climates.

With routine maintenance, a metal roof could remain watertight for over 70 years. Some even offer “lifetime” warranties against defects. This drastic difference in lifespan is a huge factor for insurance providers.

Resistance to Storm Damage

Your roof takes a beating from the elements. High winds, heavy snow, and pelting hail can damage weaker materials. But metal roofing shrugs it off.

Metal won’t crack, warp, or peel. It resists punctures far better than shingles or tile. The smooth surface also allows snow and ice to slide off before dangerous buildup occurs.

These traits mean metal roofing avoids expensive storm damage. One hailstorm can ruin an entire asphalt roof. But the same storm will lightly ding a metal roof at most.

Fire Safety

Unlike other materials, metal roofing does not ignite or fuel fires. Even in extreme heat, metal resists melting.

Insurers know a burning ember landing on a metal roof is far less likely to cause a blaze. Some metal roofs even achieve a Class A fire rating for total flame resistance.

Common Metal Roofing Myths

Despite the many benefits, some misunderstandings about metal roofs persist. Let’s clear up a few of the most common myths.

Myth: Metal Roofs Attract Lightning

Truth: Lightning rods attract lightning – not the roofing material itself. Properly grounded metal roofs are no more likely to be struck than any other type.

Myth: Metal Roofs are Noisy

Truth: With correct installation and insulation, noise should not be an issue. Storm sound effects can occur, but many homeowners enjoy this.

Myth: Metal Roofs Cost Too Much

Truth: The upfront cost is higher than asphalt shingles, but lower than premium materials like tile or slate. When you factor in metal’s exceptional longevity, it becomes very cost effective.

Myth: Metal Roofs Look Bad

Truth: Modern metal roofing comes in many attractive styles – even decorative shakes and tiles. And you can choose from many colors beyond basic silver and red.

What Discount Can You Expect?

So how much could metal roofing realistically lower your premiums? Most insurers offer a 5-15% discount for upgrading to metal. But the actual savings depend on your:

  • Insurer’s specific criteria
  • Home value
  • Location & climate
  • Current roof type
  • Other risk factors like security, fire safety, claims history, etc.

For example, going from 20-year asphalt to 50-year metal may save 10-12% on a $2000 annual premium. That’s $200-240 in yearly savings.

Upgrading from a tile roof won’t lower premiums as much. But you still benefit from metal’s extreme weather resistance in harsh climates.

The key is verifying the actual discount with your provider before installing the roof. Never assume a specific savings.

How to Get the Lowest Premiums?

How to Get the Lowest Premiums

Follow these steps to guarantee you get every possible discount with a new metal roof:

  • Research metal roofing brands – Look for at least a 40-50 year warranty and impact resistance rating of Class 4.
  • Consult your insurance agent – Ask for exact criteria to qualify for premium reductions.
  • Get roofing quotes – Reputable metal roofing contractors can install to meet insurance specifications.
  • Verify discount eligibility – Confirm the roof meets requirements after installation.
  • Provide documentation – Supply all necessary paperwork from the roofer to the insurer.
  • Review adjusted rate – Ensure the new premium reflects the full discount.

Making the upgrade to durable, weather-resistant metal roofing can put hundreds of dollars back in your pocket each year. For substantial long-term savings, metal is one of the best investments you can make as a homeowner.

Frequently Asked Questions

How much does a metal roof cost compared to other materials?

Metal roofing costs 2-3 times more upfront than asphalt shingles, but is comparable or less than premium materials like slate, clay tile, or concrete tile. Over the long lifespan of a metal roof, it becomes very cost-effective.

Do all insurance companies offer a metal roof discount?

Most major insurers provide a premium discount for metal roofs, but policies vary. State Farm, Allstate, Liberty Mutual, Travelers, and Farmers all offer metal roof discounts of 5% or more in most states. Verify the actual discount with your agent.

What type of warranty should I look for?

Look for a minimum 40-50 year manufacturer’s warranty that covers defects, leaks, and finish failures. The warranty should remain fully transferable if you sell the home. High-end metal roofs may offer “lifetime” warranties.

Can a metal roof be installed over existing shingles?

In most cases, yes – an overlapping metal roof can be installed over worn asphalt or wood shake shingles if the structure can support the extra weight. This avoids a tear-off, reducing costs.

How often does a metal roof need maintenance?

With occasional cleaning and rust treatment at attachment points, a properly installed metal roof requires very little periodic maintenance. It won’t degrade or need repairs nearly as often as other roofing types.


A metal roof brings many practical benefits beyond potential insurance savings. But lowering your premiums 5-15% each year is an obvious financial plus.

Just be sure to get written confirmation of the discount amount before moving ahead. With minimal care, your new metal roof should protect your home for 50 years or longer!

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