How do you get a homeowners insurance discount for a metal roof?
Short answer. To get a metal roof discount, ask your insurer what qualifies before you buy, then send proof after installation: the invoice, the installation date, and the manufacturer's documentation showing the product's UL 2218 Class 4 impact rating and wind rating. Not every insurer offers a metal roof discount, and some credit only impact rated systems installed to the manufacturer's specifications.
Before you buy
- Ask your agent: "Do you give a credit for a Class 4 impact rated roof, and does metal qualify?"
- Ask whether a cosmetic damage exclusion would be added to the policy for a metal roof.
- Ask the size of the credit in dollars, so you can compare it with the extra cost of the roof.
The documents insurers usually want
- The contractor's final invoice with the address, roof type and completion date.
- The product name and the manufacturer's certificate or data sheet showing UL 2218 Class 4.
- Photos of the finished roof, and sometimes of the product labels.
- The building permit or final inspection, where your jurisdiction issues one.
Common reasons a discount is refused
- The panel or the assembly is not impact rated, or the paperwork does not name the product.
- The metal was installed over old shingles, and the rating was tested on a different assembly.
- The carrier offers no metal or impact credit in Georgia.
Keep the file
Store the documents with your policy. If you switch carriers, you will need them again, and they help on any future hail claim. Also read about the cosmetic damage exclusion before you choose a metal profile.