If your metal roof needs a repair, it’s best to hire a roofing professional to handle it safely. Stay tuned to learn about cost factors for metal roof repair.
Does a Metal Roof Lower Your Insurance Costs?
Saving money on insurance is pretty metal
Get quotes from roofers near you
No obligation · 100% free
Get quotes from roofers near you
No obligation · 100% free
Need Help With a Project? Connect With a Pro
A metal roof may lower your home insurance costs because of its impact resistance, wind durability, and longevity, though discounts depend on your location and insurer.
Metal roof installation costs $5,700 to $17,700 on average, and you can recoup part of this investment through potential insurance savings and increased home value.
You should provide your insurance company with documentation from a qualified installer to see if they offer discounts for metal roofing in your area.
Hiring a local metal roof installing professional ensures proper installation and provides the warranty documentation your insurer needs to approve any available discounts.
Get quotes from up to 3 pros!
Enter a zip below and get matched to top-rated pros near you.
Installing a metal roof can protect your home from the elements—but did you know it could also protect you from high homeowners insurance costs? Some insurance companies may offer discounted rates for metal roofs, but it depends on where you live, your insurance company’s guidelines, and the specifics of your roof. Learn more about how a metal roof might lower your insurance costs.
What Is a Metal Roof?
Metal roofs are made from steel, aluminum, zinc, copper, or other metals and are known for their long lifespan and durability. A metal roof costs an average of $5,700 to $17,700 to install, and may offer a significant return on investment (ROI) in reduced energy costs, increased home value, less frequent repair costs, and potential insurance savings.
Like all roofing materials, metal roofing has pros and cons, and homeowners may wonder if investing in a metal roof is worth it. We’ll explore some of the benefits of metal roofs and how they may affect your insurance costs.
Metal Roof Advantages
If you’ve ever tried to get your insurance to pay for roof replacement, you know that insurance companies are very particular about what’s covered and what isn’t. What you may not know is that the type of roof you install may allow you to take advantage of insurance discounts or reduced rates. Some insurers offer incentives for homes with metal roofs—let’s look at why.
Impact Resistance
You may think metal roofs dent easily, but that often isn’t true. Many metal roofs are rated by Underwriters Laboratories (UL) as Class 4 impact resistant, which means they can resist impact damage from a two-inch steel ball dropped from several different heights.
In areas of the country that get frequent hail storms, roof damage from hail can cost insurance companies a lot in claims. In these areas, insurers may incentivize homeowners to use impact-resistant roofing material like metal to lower the risk of hail-related claims.
Wind Resistance
It’s not uncommon for high winds to cause shingle loss and damage on traditional shingled roofs. Metal roofs are far more wind-resistant, though, and less likely to be damaged during a hurricane or other storm that produces high winds. Insurance companies may offer reduced rates for roofs that won’t need repairs after high winds.
Longevity
Replacing a roof can be an expensive undertaking, so you want to make your current roof last as long as possible. Asphalt shingle roofs last between 15 and 30 years, while a metal roof can last 40 to 80 years or more, depending on the type of metal. This longevity is appealing to insurers, and installing a metal roof may result in lower rates.
How to Save on Insurance Costs With a Metal Roof
Photo: Douglas Cliff / iStock / Getty Images Plus / Getty Images
Before you invest in a new metal roof, check with your insurance agent about any potential savings. If your insurer offers any discounts for metal roofing, find out what kind of documentation they need. In most cases, you’ll be required to have a qualified local metal roof installer replace your roof—that way, the insurance company knows it was installed correctly. The manufacturer or installer may also offer a warranty. Find out what your roof warranty covers and provide your insurer with any related paperwork.
There are some cases where an insurer may not only give a discount for a metal roof, but your rates may increase instead—for example, if you install a metal roof over shingles, you may create potential problems your insurance company doesn’t want to be on the hook to cover.
Frequently Asked Questions
Roofing services reviews from real Angi homeowners in Columbus, OH
4.3★ avg. • 120 total reviews
- Chance R.
D1 Roofing delivers outstanding service from beginning to end, backed by a strong warranty and expert teams. I highly recommend them for their excellence in meeting and surpassing expectations with unmatched communication. Choosing D1 Roofing was flawless decision
Division 1 Roofing LLC - Jeremy P.
This place took $25,000 for a flat roof job with a five-year warranty and never returned to fix the leaks that were caused by their work. These people are not professionals and should not be doing this type of work. They incorrectly changed the pitch of the roof, and caused more damage than...
- David B.
The technician was very professional and friendly. He answered all my questions and was very thorough. He left the fireplace area very clean . He inspected from the roof and advised me as to other work that might need to be done. There was no pressure there. I was very satisfied with the...
Supreme brick & chimney - Kevin S.
I am really impressed with their timeliness and turnaround. Mitchell came out, and we decided to move forward with their pricing. Our roof was on within a week, and we could not be happier with their team! Amazing company, great prices and honest, dependable craftsmanship. I highly recommend...
Window Depot USA of Central Ohio - Rob B.
Manuel Calvillo is the best option in the area for roofing and you won't be disappointed.
- Julie K.
They damaged multiple items on my property, including a marble slab used as a table top, tried to hide it, and refused to pay or replace. Arrived day one without a ladder to access roof & delayed a day. Left a mess in back yard; didn't wear face masks; no show by owner to property to see damages
Grants Tree Service - Marcia L.
I've hired Gary/Cherokee Roofing for two different homes, work quality, responsiveness, and completion have been great both times. And the prices quoted were very competitive. I would definitely hire again.
- Paul F.
Lyle did a great job removing asbestos shingles from our front porch roof. They worked together with our roofer to make sure that the new roof was able to be installed on the same day that Lyle removed the asbestos shingles.
Lyle Environmental - Paul F.
Bradley Builders did a good job replacing the roof on our front porch. They color-matched the existing shingles on the rest of the house and installed a metal ridge roll since we live in a historical neighborhood. They did the job while we were out of town. When we got back, everything was...
Bradley Builders, Inc. - Madison B.
I would absolutely recommend this business. They offer a variety of services, including: painting, roofing, and refinishing wood flooring. I hired them to refinish the original hardwood flooring in my home built in 1874. The job was quite challenging, as the floors were extremely aged and...
The homeowners guide to roofing services
From average costs to expert advice, get all the answers you need to get your job done.
A standing seam metal roof is a long-lasting, durable option for your home. Learn how much a standing seam metal roof costs and what can affect the price.
Metal shake roofs offer a long-lasting alternative to asphalt shingles. Learn what metal shake roofs cost and what factors affect how much you’ll pay.
“Will a new roof lower my homeowner's insurance?” Find out the answer to this common question in our guide.
A metal roof increases your home value, energy efficiency, and curb appeal. Learn about the ROI you can expect when choosing metal over other materials.
Metal roofing pros and cons include a long lifespan and a high cost, respectively. Keep reading to discover if metal roofing is right for your home.