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Do Metal Roofs Save Money on Insurance?

Often, yes. Metal roofs resist wind, hail and fire damage, and some insurers offer a discount, so check your policy.

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Roof age matters too

Insurers price the roof by what it resists and how old it is. A newer metal roof usually counts for more than an older one. Wear affects how any roof holds up to wind and hail, regardless of material.

Why your renewal rose anyway

A metal roof discount, if your policy has one, doesn't cancel out other reasons premiums rise. Rebuilding costs, claims in your area, and insurer-wide pricing decisions can push your renewal up even with a discount applied and no claim filed.

Check your declarations page

The discount, if you have one, is listed by name on your declarations page, often as a wind or hail mitigation credit. If it isn't there, the roof may not have been documented or rated that way when the policy was written.

Asking for the credit

If your roof is metal and no discount shows up, you can ask the insurer to reassess it. They may want proof of the material and installation date before adjusting the rate. The credit depends on verified roof type, not just your word.

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A metal roof discount only offsets part of the bill. The rest depends on rebuilding costs and claims trends that have nothing to do with your roof, and every insurer weighs those differently. If this renewal rose with no claim and no changes to the house, another insurer may price the same roof, same coverage, lower.

What else changes the discount amount

The size of a metal roof discount isn't fixed across the industry. It depends on the roof's profile, not just the material. A standing-seam metal roof is usually rated differently than metal shingles made to look like slate or shake, because the two shed wind and hail differently. Some insurers ask for the manufacturer and installation details to apply the right credit rather than a flat rate for anything called metal.

Where the house sits matters as much as what's on top of it. A metal roof's wind and hail resistance carries more weight in pricing for a house in a hailstorm-prone area or near the coast than for one inland with a mild claims history. Two identical roofs on two houses in different parts of the same state can carry different discount amounts because the insurer is pricing the risk the roof protects against, not the roof alone.

The rest of the roof system factors in too. Underlayment, fasteners, and how the roof is attached to the structure affect how it performs in high wind, and some insurers want that documented separately from the roofing material itself. A metal roof installed without upgraded fastening may not get full credit even though the surface material qualifies. This is part of why two metal roofs of the same age and type can be rated differently by the same insurer.

Age interacts with all of this. A metal roof nearing the end of its rated lifespan, even if that's decades out, may get a smaller credit than a new one, because insurers price toward how the roof will perform over the policy term, not just how it was built. If the discount on the declarations page looks smaller than expected, the roof's documented age and installation details are worth checking before assuming the insurer made an error.

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Why isn't the discount bigger

The size of a metal roof discount isn't fixed across the industry. It depends on the roof's profile, not just the material. A standing-seam metal roof is usually rated differently than metal shingles made to look like slate or shake, because the two shed wind and hail differently. Some insurers ask for the manufacturer and installation details to apply the right credit rather than a flat rate for anything called metal.

Where the house sits matters as much as what's on top of it. A metal roof's wind and hail resistance carries more weight in pricing for a house in a hailstorm-prone area or near the coast than for one inland with a mild claims history. Two identical roofs on two houses in different parts of the same state can carry different discount amounts because the insurer is pricing the risk the roof protects against, not the roof alone.

The rest of the roof system factors in too. Underlayment, fasteners, and how the roof is attached to the structure affect how it performs in high wind, and some insurers want that documented separately from the roofing material itself. A metal roof installed without upgraded fastening may not get full credit even though the surface material qualifies. This is part of why two metal roofs of the same age and type can be rated differently by the same insurer.

Age interacts with all of this. A metal roof nearing the end of its rated lifespan, even if that's decades out, may get a smaller credit than a new one, because insurers price toward how the roof will perform over the policy term, not just how it was built. If the discount on the declarations page looks smaller than expected, the roof's documented age and installation details are worth checking before assuming the insurer made an error.

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Before you renew

Pull your declarations page and look for a wind or hail mitigation credit. If your metal roof isn't listed there, or the credit looks small, it's worth seeing what another insurer would charge for the same roof.

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