4510 S Federal Blvd Englewood, Colorado 80110

3525 N Cascade Ave #204 Colorado Springs, CO 80907

(303) 761-6400(24/7)

(719) 434-3020(24/7)

Insurance Discounts With Impact Resistant Roofing

How does your roof affect your insurance premiums? You probably never think about your roof, but your insurance company certainly does.

For many, home insurance may seem like just another expensive box to check to satisfy your mortgage lender. 

Did you know that the average annual cost of home insurance in Colorado is $1,813? So why aren’t more homebuyers taking this protection against the unexpected more seriously?

class 4 impact resistant roof homeowners insurance discount

In the last 10 years, hailstorms have caused more than $3 billion in property damage in Colorado and Wyoming, mainly to roofs. As a result, 30% of a home’s insurance cost is reserved for a new roof.

As a result of the huge losses, insurance companies are demanding more and more impact-resistant roofing materials on the market. To incentivize consumers, some insurers are offering discounts of up 25% on a homeowner’s insurance premium with impact resistant roofing.

“Insurance companies love to see their policy holders install hail-resistant roofing, “said Jackie Lanier, insurance consultant. “It saves money for the homeowner and it also keeps insurance premiums manageable – it is a win-win proposition.

As a responsible homeowner, knowing your options and doing your research can benefit you in the long-term. Don’t choose your home insurance blindly and spend some time to review resources such as this homeowners insurance article from money.com on the best companies for homeowner insurance, which also explains why they are ranked in that specific order.

How Long Have Impact Resistant Roofing Materials Given Insurance Discounts?

In 1998, Texas was the first state to make it mandatory for insurance companies to offer discounts to homeowners with hail-resistant roofing. A homeowner with the lowest resistant rated roof (Class 1) in a part of the state with the least hail would only get a 1% discount. But for a homeowner using Class 4 materials in that portion of the state that regularly gets pelted with hail at least 6 times a year, the discount was a whopping 35% annually.

While it has yet to become mandatory in other states, a number of insurers including State Farm have voluntarily decided to offer insurance discounts in other states like Colorado and Wyoming where hail and high winds tend to be a problem.

If you’re planning to get new asphalt shingles and you live in a high-wind zone, ask the installer to use six nails per shingle (Excel Roofing always does this). You may get a discount by using six nails per shingle instead of four, which increases the wind-resistance rating of your roof. Make sure to check with your agent about any discounts before signing a roofing contract.

Impact-resistant roofing materials are tested and given a rating of Class 1 to 4, with Class 4 being the highest rating. The test, called UL 2218, was developed for the purpose of testing roofing materials. Most Class 4 roofing material also has a limited lifetime warranty to cover manufacturer’s defects. When Excel Roofing installs a hail-resistant roof, we always provide the necessary documentation to the homeowner so they may qualify for the discount. If you need a free roof inspection or have any questions about hail-resistant roofing, contact Excel Roofing!

Why Homeowners and Businesses Choose Us

Colo Radans
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Excel Roofing is the only roofing company I would trust and recommend to others. Kevin M. is extremely helpful and professional at all time with his experience and knowledge.
Ralitsa Carter
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I highly recommend consulting with a true roof insurance expert like Excel Roofing, as there are a lot of details one can easily miss if not in the field on a regular basis.
Mary Kimball
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Omar came out and repaired some of our inside ceiling where the nails lifted the drywall. He is an amazing worker, a master at his job. Ask for Omar as he is a real asset to Excel Roofing!
Cindy L
Local Guide
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This company has gone way beyond my expectations. Thank you Jay and especially thank you JR for doing such a great job, being dependable, on time and affordable.
Rick Sturdivant
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Troy Lindsay and his team did a great job installing a new roof. They even worked with me when I wanted a solar-powered attic fan installed and helped me size and choose one.
brian niles
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These guys are top notch! You will not find better service anywhere!! Thank you Excel!!
Dustin Sieve
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I would absolutely recommend Excel roofing for any roofing, gutters or painting. I plan on using them again for any future claims.
Eric Zietlow
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Eric the project manager answered all calls and e mails promptly, addressed any concerns, and followed up on small issues. Good looking roof, no headaches or stress on my end.
Nicki Shields
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The building inspector said this was one of the best roof jobs she has seen, she was very impressed. I highly recommend Excel Roofing for roofs, siding, and windows. I could not be more pleased! Look no further.
Sonny Romero
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Matt Foster was our Project Manager. Matt was very friendly, knowledgeable, and professional. He was involved from the estimate through the final inspection. Excel Roofing did an outstanding job.
ANDREW RODWIN
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Troy and his crew were outstanding. He explained the details every step of the way. They gave us a job date and completed on time.
Kevin Donahue
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Unlike the other companies who bid my roofing job, Excel (Brock) was not pushy and the deal did not have to be signed before he left the house. I am extremely pleased.
Ana Kauffman
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Love Chris, had my best interest in mind during the entire roof replacement process. He was able to rush the job for us given that we were nearing the closing date of the sale of the house.
Andy Dimmen
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Throughout the process I had one point of contact at Excel (Brock). Brock managed the entire process so that I didn’t have to do a thing. I will recommend Excel to everyone I know
Taylor Hood
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I would have given 5 stars. Giving 4 because of how hard Matt worked to get project finished and they were priced very reasonable compared to other roofing companies.
Beth Rogers
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Troy and his crew went above and beyond for us. Working to help us navigate insurance claim. Great job, on time, on budget, house looks great. Couldn't be happier! Highly recommend Mr Troy and his crew!
Bob Andersen
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wonderful company to work with.. from the initial call for someone to come look.. the project manager Bob was at the house within an hour.
Mindy Densmore
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They showed up on time, determined the problem, showed us a video of what to do to prevent it in the future and and took care of it immediately. I highly recommend Excel.
j snoy
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I definitely recommend and will use again. Chris the project manager was very quick to respond and quite reliable. Overall, a great roofing experience.

Denver, Colorado

4510 S Federal Blvd
Englewood, Colorado 80110

 

Phone: (303) 761-6400

 

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Colorado Springs

3525 N Cascade Ave #204 Colorado Springs, CO 80907

 

Phone: (719) 434-3020

 

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Sheridan, Wyoming

1574 N Main Street
Sheridan, Wyoming 82801

 

Phone: (307) 763-4050

 

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Casper, Wyoming

373 Lakeview Drive
Casper, Wyoming 82604

 

Phone: (307) 237-770

 

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