What new roof discounts do insurance companies offer?
Short answer. The common ones are a roof age credit for a newly replaced roof, an impact resistance discount for Class 4 shingles or panels, and, with some insurers, credits for wind resistant roof systems such as a fortified roof. Availability and size vary by insurer, so ask your agent which apply and what proof they need.
The main types
- Roof age credit. Many insurers rate by roof age, so a new roof can move you into the best band. It is usually the simplest credit to get, as long as the insurer has the right install year.
- Impact resistance discount. Offered by some insurers for roofs rated Class 4 under UL 2218. The rating must apply to the specific product installed, not just the brand.
- Wind resistance credits. Some insurers recognize roofs built to enhanced wind standards, such as the IBHS FORTIFIED Roof program, which requires specific installation methods and a third party evaluation.
- Material based pricing. Some insurers price by roof material, which can favor metal or impact rated products.
How to claim them
- Ask your agent before the roof goes on which credits apply and what they require.
- Choose products and installation methods that meet those requirements.
- After installation, send the invoice with the exact product name, the manufacturer's rating documentation, any permit or inspection sign off, and photos.
- Ask the agent to confirm in writing that the roof year and any discount were updated.
Watch for trade-offs
Some impact discounts come paired with a cosmetic damage exclusion, so read the endorsement before accepting. See cosmetic damage exclusions and roof age and insurance.
Discounts can change at renewal and vary widely in size, so compare total premiums rather than chasing a single credit.