These 3 Roofing Materials Could Help Reduce Your Home Insurance Costs

Is it time to replace your roof? The average asphalt shingled roof lasts between 15 and 20 years, depending on the type of roof and when it was installed. When it’s time to upgrade, it may be best not to focus on using the same materials. Some products offer more security, better protection and a longer lifespan. It is these features that will help to ensure your home remains protected long term. And, it can also mean a significant cost savings on your home insurance rates. Before you re-shingle your roof, consider the materials that can make a big difference for you.

Metal Roofing Works Well

Metal roofing is no longer just for commercial buildings. Today's materials are not only more durable than asphalt shingles, but the finished product tends to be more beautiful as well. Be sure to consider a wide range of product options. It’s likely you will find an aesthetically pleasing option that also helps to reduce your home insurance costs due to improved safety. Metal lasts longer, provides more protection and isn't likely to leak.

Class 4 Modified Asphalt

If you want a more affordable option than metal roofing but a great deal of improvement in durability, consider Class 4 Modified asphalt roofing. This type of material can be incredibly durable and long lasting. Depending on the manufacturer you select, you could get a 30 to 50 year limited warranty on the roof. More so, these roofs are ideally suited for areas with a high risk of storms.

Hurricane-Resistant Roofs

New products are hitting the market all of the time and some have the ability to provide you with ample resistance to the elements. Hurricane approved roofing is more durable against windstorms. This investment is a surefire way to get a discount on your home insurance.

Before you decide on any type of roofing for your home, talk to your insurance agent. He or she will work with you to determine the most affordable, yet efficient protection possible. Your insurer may offer discounts for some types of roofs, so be sure to ask about that before you select any material. And, realize the new products are continuously available. These can add a longer warranty and more durability to your home.