Most homeowners know that a new roof can boost curb appeal and protect against leaks—but did you know it might also lower your home insurance premium?
Insurance companies consider your roof one of the most important factors in determining your home’s risk profile. Let’s explore how roof upgrades can lead to real savings on your policy.
1. New Roof = Lower Risk
Older roofs are more likely to fail during storms or heavy rain, which increases the chance of water damage and expensive claims. Insurance providers see this as a risk.
Installing a new, high-quality roof reduces that risk—especially when using durable materials designed to withstand wind, hail, and UV exposure. A lower risk of damage means lower risk for your insurer, which can translate to lower monthly premiums for you.
2. Impact-Resistant Shingles Can Earn Discounts
If you’re upgrading your roof, consider using impact-resistant shingles. Many insurance providers offer discounts for roofing materials that carry a Class 3 or Class 4 impact rating, which are built to handle hail and debris.
Ask your roofer about these options during your replacement—these upgrades may qualify you for special incentives or premium reductions.
3. Modern Roofing = Compliance with Building Codes
When you replace your roof, the new installation must meet current local building codes. This often includes:
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Enhanced ventilation
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Better water barriers
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Stronger fastening systems
These features make your home safer and more resilient, which many insurance companies reward with a better rate.
4. Inform Your Insurance Company After a Roof Upgrade
If you’ve recently had your roof replaced, don’t wait—let your insurance company know right away. Provide documentation, such as:
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Proof of completion
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Material specifications
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Permit records (if required)
They’ll reassess your policy, and you might be eligible for an immediate discount.
5. Bonus: Increased Home Value
A new roof also increases your home’s resale value and makes it more attractive to buyers and lenders—often meaning better financing options and insurance bundles down the road.
Thinking About a Roof Replacement?
If your roof is 15+ years old or showing signs of wear, now is the perfect time to upgrade—not just for your safety, but for your wallet.
At 1 Stop Roofing & Exteriors, we install high-quality, insurance-friendly roofing systems throughout Huntsville, Madison, and surrounding areas. We’ll even help you check what discounts you may qualify for with your provider.
📞 Call us today for a free inspection and quote—your next insurance discount might start at the top!
