Roofing Insurance Discounts

Today, I’d like to talk to you about one of my favorite things to do. And though it’s pretty darned fun, no, it’s not catching dragonflies from across the room with my freakishly-long tongue. I’m talking about SAVING YOU MONEY, which is precisely what my role is as the Manager of Green for Excel Roofing.

Now last time, we discussed how different types of roofing materials have different ratings depending upon how resistant they are to hail–with Class 4 offering you the highest resistance and best chance to weather a hailstorm unscathed. The best news of all, though, is that if you have Class 3 or 4 shingles on your home, you may very well qualify for a significant discount on your homeowners insurance. Which can definitely add up over the long haul.

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 discount of 1%. 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. Now that’s a sizable chunk of change!

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.

So if you have hail resistant roofing on your house and you’re NOT getting a discount, you might want to have a heart-to-heart chat with your insurance agent. And if you’re looking into a new roof, you ought to seriously consider investing in Class 4 shingles. It could very well save you a lot of money and aggravation in the long run.  “Hail” to the homeowner who thinks ahead.



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