Will a metal roof raise my insurance?
Short answer. Usually not. A metal roof is durable and fire resistant, which many insurers view favorably, but it can raise your premium indirectly if it increases your home's replacement cost and your dwelling coverage goes up with it.
Why premiums usually do not rise
Insurers price risk. A properly installed metal roof resists wind uplift and fire well, and impact-rated panels can hold up to hail better than many shingles. Some carriers give credits for that, though not all do.
How it can raise costs anyway
- Higher replacement cost. Metal typically costs more to replace than asphalt shingles. If your dwelling limit is raised to match, the premium can rise even with a roof credit.
- Other rating factors. Premiums across Georgia have been rising for reasons unrelated to roofs, so a new metal roof may not show up as a lower bill.
The real catch: coverage, not price
Many insurers add a cosmetic damage exclusion to metal roofs. Hail dents that do not cause leaks may not be paid at all. You might pay a similar premium but carry less hail coverage than you would on a shingle roof. Ask about this before you buy.
Questions for your agent before you switch
- Will my premium change if I install a standing seam or an exposed fastener metal roof?
- Is there a credit for a UL 2218 Class 4 impact rating?
- Will a cosmetic damage exclusion be added, and can I decline it?
- Does my dwelling limit need to change?
Your current roof's age also affects the decision; see roof age and insurance.