Florida CCC 1326909

Save Money on Your Homeowner's Insurance With a New Roof

Save Money on Your Homeowner's Insurance With a New Roof

A new roof may help you save money on your homeowner's insurance. While each company has specific details that you will need to understand, most offer discounts based on your roof. Here are some typical insurance discounts you may qualify for by hiring a roofing contractor in Daytona to install a new roof.  

Hail/Impact Resistant Roofing Discount

The amount of discount that you may receive often depends on the Underwriters Laboratories rating for your roofing material. In some cases, it can be as much as 35 %. Under UL 2218, materials are rated from Class 1 to Class 4 with the most significant discount going to Class 4 materials. Choices in roofing materials falling in this category include metal, wood shake, architectural asphalt shingles, polymer roof tiles, and rubber roofing materials. It is essential to work with a reputable roofing contractor in Daytona because not all materials within a specific roofing material will qualify for the discount.  

Fire Resistant Discount

You may also qualify for a fire-resistant roofing discount for choosing certain roofing materials for your Daytona home. Choices rated Class A offer the most protection, and they may be eligible for the most substantial discounts. You need to learn the rating of the product you are considering using. You can find Class A roofing materials that are metal tiles, slate, concrete, and clay. Choosing Class A materials over Class B may give you an extra 10 minutes during a fire before the roof burns.  

Metal Roof Discount

You may qualify for an exclusive discount if you choose a metal roof. You may want to think about this discount before you tell your agent to apply it because often cosmetic damage is not covered if you accept this discount. Even if you choose not to do the metal roofing discount, a new metal roof may still save you money by being impact and fire-resistant. Some options in metal roofing may also help you save money on your energy bill.  

New Roof Discount

A new roof discount sometimes called a roof age discount, is available to many homeowners who are opting for a new roof. Some insurance companies offer the discount proactively if you have not filed a roof claim in over six years. Another factor that you will want to consider is that many insurance companies will not cover your roof if it is more than 20 years old.  

If you want a discount on your homeowner's insurance, you may want to talk to your insurance company before work begins. Then, hire a roofing contractor in Daytona to get the action going as quickly as possible. This part is simple because you can call Century Roofing Specialists. They will work with you to figure out the best roofing materials for your home to get you the most substantial discount possible.