What Type of Roofs Do Insurance Companies Like Most?

Roofing materials are key in determining insurance costs. Common options include asphalt shingles, metal roofs, and tile roofs, each with unique benefits and drawbacks. Insurers consider rebuild costs and life expectancy to set premiums.

Metal and tile, known for their durability and longevity, can reduce insurance costs. The following subsections cover these materials and why insurers favor them.

Asphalt Shingle Roofs

Asphalt shingles are the most popular roofing material for home insurance. These shingles are made from a combination of asphalt, fiberglass, and other materials, providing a cost-effective and durable roofing solution. One of the key advantages of asphalt shingle roofs is their affordability, which makes them accessible to many homeowners.

Insurers view asphalt shingle roofs favorably for their durability and weather protection, often resulting in lower premiums. They are popular in places like Colorado for their hail resistance.

These factors make asphalt shingles a reliable, economical choice for balancing cost and insurance savings.

Metal Roofs

Metal roofs, known for their exceptional durability and wind resistance, can last over 50 years. Their durability and energy efficiency often result in lower insurance premiums, making a metal roof a wise choice for homeowners.

In snowy climates, metal roofs allow snow to slide off, reducing heavy buildup risk. Their fire and hail resistance also contribute to lower insurance costs, making them a smart investment for enhancing home resilience.

Tile Roofs

Tile roofs are known for their durability and long-lasting protection against harsh weather. They offer excellent fire protection and resist rot and insect damage, contributing to their longevity.

However, clay tiles can crack from falling trees or high winds. Despite this, their fire resistance makes them favorable for insurance, often resulting in lower premiums.

Tile roofs, particularly clay and concrete types, offer durability and insurance savings, including slate or tile roofs.