Which roof type is best for insurance?
Short answer. Insurers tend to favor roofs that resist the main local risks: impact rated asphalt shingles or metal for hail, well attached shingles or metal for wind, and Class A fire rated coverings everywhere. Within any type, a newer roof in good condition matters more to most insurers than the material itself.
How common roof types are viewed
- Three tab asphalt shingles: the older, thinner style, with lower wind resistance and a shorter life. Some insurers apply stricter age limits.
- Architectural (laminated) asphalt shingles: the standard in North Georgia, with better wind ratings and longer life than three tab, and widely accepted.
- Impact rated asphalt shingles: Class 4 under UL 2218, which may earn a hail discount with some insurers.
- Metal: long life, strong wind and fire performance, possible discounts, and a common cosmetic damage exclusion for hail dents.
- Clay or concrete tile: long lived and fire resistant but brittle under impact, costly to repair, and hard to match.
- Slate: very long life, high replacement cost, and specialized repairs.
- Wood shakes: attractive but a fire concern unless treated, and some insurers restrict or surcharge them.
What usually matters more than type
- Age: rating plans and claim settlement terms often change as a roof ages; see roof age and insurance.
- Condition: aerial imagery reviews flag missing shingles, patches, debris, and staining.
- Installation quality: wind ratings depend on correct nailing and sealing.
Choosing for Georgia
North Georgia's main roof threats are hail, thunderstorm wind, falling limbs, and long, humid summers. For most homes, a well ventilated architectural or impact rated shingle roof offers a practical balance of cost, insurability, and storm performance. If you are considering metal for longevity, ask your agent how a cosmetic exclusion would affect you, and see hail size and roof damage.