- Metal’s definitely less hassle than shingles, but yeah, those details matter. I had to redo the flashing around my vent pipe last fall—installer missed a spot and I got a slow leak.
- Insurance dropped for me too, but not as much as I hoped. Maybe depends on the company?
- Curious if anyone’s had issues with noise during rain? Mine’s not bad, but my neighbor says his is loud enough to wake him up. Wonder if insulation makes the difference...
Had the same thing with my insurance—got a small drop after the new roof, but honestly, I thought it’d be more. I guess some companies just don’t care unless you go from something like wood shake to metal or tile. Mine’s just standard asphalt shingles, so maybe that’s why.
About the noise, I’ve always wondered if that’s just down to how much insulation you’ve got in your attic. My parents’ place has a metal roof and it’s almost silent during storms, but their attic is packed with blown-in insulation. I’ve heard stories about people with barely any insulation saying it sounds like a drumline up there. Anyone ever tried adding insulation just for the noise? Or is that overkill?
Also, curious if anyone’s had issues with insurance companies asking for extra inspections after switching roof types. I had to send in a bunch of photos and paperwork, which was kind of a pain.
We just finished our first roof replacement last fall—went from 3-tab asphalt to architectural shingles. I was expecting a bigger drop in my insurance too, especially since the old roof was pushing 25 years. Ended up with maybe $60 off for the year, which felt kind of underwhelming after all the hassle and cost. I guess unless you go with something wild like metal or tile, the companies just see it as standard maintenance.
On the noise thing, I actually added a bunch of batt insulation in our attic mainly for energy savings, but it did make a difference with sound. Before, heavy rain sounded like someone throwing gravel at the house. Now it’s just a dull patter—still there, but not nearly as distracting. I wouldn’t call it overkill, especially if you’ve got an older house where insulation’s lacking anyway. It’s not a miracle fix, but it helps.
Insurance did ask for a ton of photos and even wanted proof of the contractor’s license. Took me a few days to track everything down. Annoying, but at least it’s done for now... until the next thing comes up.
- Had a similar experience after my roof replacement—barely saw a dent in the premium.
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“Ended up with maybe $60 off for the year, which felt kind of underwhelming after all the hassle and cost.”
- Wondering if anyone’s insurer actually gave a bigger discount for architectural shingles? Or is it just standard everywhere?
- I also had to send in a stack of photos and receipts. Took forever to get the paperwork together.
- Curious if anyone’s tried negotiating with their agent after the fact, or is that just a waste of time?
Yeah, I felt the same way after my last roof job—tons of paperwork, barely any savings. I did push back with my agent and got a tiny bit more off, but honestly, it wasn’t worth the hassle. Seems like unless you’re in a high-risk area or switch to metal, the discounts are pretty underwhelming.