Can the type of roof you have save you money on home owners Insurance?

Can Roofing Materials Really Save You Money on Insurance in Oklahoma? Absolutely. Here’s How.

In Oklahoma, where hailstorms, high winds, and severe weather are common, protecting your home starts from the top down. But did you know that choosing the right roofing materials can also lead to significant savings on your homeowner’s insurance? Many insurance companies offer discounts for roofs that are more resistant to damage, reducing the likelihood of costly claims.

If you’re considering a roof replacement or upgrade, understanding which materials can lower your premiums is key. Here’s a breakdown of the best roofing options to maximize savings while enhancing your home’s protection.

Top Roofing Materials That Can Lower Insurance Premiums

🟢 1. Impact-Resistant Shingles (Class 4 Rated)

Impact-resistant shingles, particularly those with a Class 4 rating from Underwriters Laboratories (UL), are designed to withstand hail and other impacts without significant damage. These shingles are typically made from asphalt, metal, or polymer-modified materials.
Why it saves: Since Class 4 shingles reduce the risk of hail damage claims, many insurance companies offer discounts for homes with these high-performance shingles.

Pro Tip: Look for products labeled UL 2218 Class 4 to ensure you’re getting the most durable option.

🟢 2. Metal Roofing

Metal roofing is one of the most durable options available, offering superior resistance to hail, wind, and fire. It tends to last 40-70 years, significantly longer than traditional asphalt shingles, and requires minimal maintenance.
Why it saves: Metal roofs can lower insurance premiums due to their resilience against extreme weather, reducing the likelihood of claims.

Bonus Benefit: Many metal roofs are energy-efficient, reflecting heat and lowering cooling costs during Oklahoma’s hot summers.

🟢 3. Slate and Tile Roofing

Slate and tile roofs are known for their durability and resistance to fire, wind, and impact. While they have a higher upfront cost, their lifespan can exceed 50 years, making them a long-term investment.
Why it saves: Insurance companies value the longevity and strength of slate and tile, often providing discounts for homes equipped with these materials.

Important Consideration: These roofs are heavier, so ensure your home’s structure can support the added weight before installation.

🟢 4. Synthetic Roofing Materials

Synthetic roofing materials, such as rubber, plastic composites, or polymer-based shingles, mimic the look of traditional slate, wood, or tile while offering enhanced durability. These materials are engineered to resist hail, wind, and UV damage.
Why it saves: Synthetic roofs combine strength with affordability, often qualifying for insurance discounts due to their impact resistance and long-term durability.

Eco-Friendly Bonus: Many synthetic options are made from recycled materials, making them a greener choice.

🟢 5. Wind-Resistant Roofing

Oklahoma’s frequent high winds make wind-resistant roofing an essential consideration. Certain metal roofs, architectural shingles, and specialized roofing systems are rated for high wind resistance.
Why it saves: Insurance providers often offer premium discounts for roofs that can withstand winds up to 130 mph or more, reducing the likelihood of storm-related claims.

How to Ensure You Qualify for Insurance Savings

Choosing the right roofing material is only part of the equation. To maximize your insurance savings, follow these essential steps:

✅ Check with Your Insurance Provider: Every company has different criteria for discounts. Contact your insurer to find out which roofing materials qualify for premium reductions.

✅ Choose Certified Products: Look for certifications like UL 2218 Class 4 for impact resistance and FM 4473 for hail performance.

✅ Ensure Proper Installation: Even the best materials won’t perform if they’re poorly installed. Work with a licensed and experienced contractor like ProBuild Roofing & Construction to ensure everything meets manufacturer specifications.

✅ Document Everything: Keep detailed records of the roofing materials used, installation date, and contractor information. This documentation will be essential when applying for insurance discounts.

✅ Perform Regular Maintenance: Routine roof inspections, timely repairs, and ongoing maintenance help preserve your roof’s integrity and ensure continued eligibility for insurance savings.

The Bottom Line: Long-Term Savings Start at the Top

While the initial investment in high-quality roofing materials may be higher, the long-term benefits—including lower insurance premiums, reduced repair costs, and enhanced weather protection—make it a smart financial decision.

At ProBuild Roofing & Construction, we specialize in helping Oklahoma homeowners choose the best roofing solutions to protect their properties while maximizing insurance savings.

💬 Ready to upgrade your roof and start saving?
Contact us today for a free consultation and personalized project quote: (405) 730-6530.

Protect your home. Lower your premiums. Build with ProBuild.