Roofing materials have big impact on home insurance rates

The choice of roofing materials can affect home insurance rates because they play a major role in the structure's capacity to withstand fire, hail, and other hazards.

December 04, 2013

The choice of roofing materials can affect home insurance rates because they play a major role in the structure's capacity to withstand fire, hail, and other hazards. Because insurers have a vested interest in your roof, they price your home insurance accordingly, based on the soundness of its construction and what it will cost them to replace it. Premium incentives and disincentives for roof types vary widely by company and location.

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