That $50 drop stings a bit, right? I always figured a new roof would mean way more savings. Has anyone actually gotten a bigger discount for impact-resistant stuff, or is it mostly just marketing? I’ve only seen tiny credits so far, even with upgrades.
- Felt the same way when my folks put on impact-resistant shingles last year.
- Insurance only knocked off about $60 for them, which didn’t even cover a month of their premium.
- They were hoping for more, but the agent basically said it’s “safer,” not “cheaper.”
- Might depend on your state or insurance company, but around here (Midwest), it’s mostly small credits.
- Still, the peace of mind during hail season is worth something, I guess... even if the bill doesn’t show it.
the agent basically said it’s “safer,” not “cheaper.”
Yeah, that’s what I heard too—felt like a bit of a bait and switch after all the hype about “discounts.” I put on the fancy shingles thinking my premium would drop, but honestly, the savings barely covered a pizza night. Still, after last spring’s hailstorm, I guess I’m glad I went for it… just wish the insurance perks matched the price tag.
That “safer, not cheaper” line cracks me up every time. I’ve managed a few buildings where owners got all excited about the “discounts” after upgrading to impact-resistant shingles. Here’s how it usually goes:
Step one, you fork over a small fortune for the fancy roof. Step two, you call your agent, expecting your premium to drop like a rock. Step three, you get a letter saying congrats, you’re now “lower risk”—and your bill drops just enough to cover a couple of takeout pizzas, if you’re lucky.
Honestly, I get why they do it—less risk for them, but not exactly a windfall for us. The upside is, after last year’s hail, the roofs with the upgraded shingles barely had a scratch while the old ones looked like Swiss cheese. So, yeah, not a total waste, but I’d be lying if I said the insurance savings were the main perk. At least I don’t have to climb up there with a bucket every time it rains… small wins, right?
That “pizza money” discount is way too real. I’ve walked a few owners through the process and they always expect a dramatic drop, but yeah, it’s more like a rounding error on the invoice. Still, after seeing what hail can do to standard shingles, I’d rather have the upgraded roof and skip the emergency repairs. Less hassle dealing with claims too.
One thing I noticed—some insurance companies will ask for every little detail after you upgrade: photos, receipts, even the manufacturer’s specs. If you don’t have all your paperwork lined up, they’ll drag their feet on any discount at all. Ever run into that? I had a guy who lost out on his “resilient roof” credit just because the installer didn’t list the shingle brand on the invoice.
Curious if anyone’s actually gotten a meaningful break from switching to metal or tile instead of impact shingles. Worth it in your area? Here in Texas, I see more folks sticking with asphalt just because of cost, but maybe it’s different elsewhere.
