Yeah, I hear you. After my last asphalt shingle replacement, the inspector barely glanced at it and the discount was almost nothing. I did get a bigger break when I upgraded to impact-resistant shingles, but even then, it wasn’t huge. Metal roofs seem to be the only thing that really moves the needle with insurers, at least around here. The paperwork is a pain either way...
Metal roofs seem to be the only thing that really moves the needle with insurers, at least around here.
That lines up with what I've seen too. Inspectors barely look at standard shingles, and unless you go for those Class 4 impact-resistant ones, the insurance discount's almost symbolic. Metal gets more attention because it's proven to handle hail and wind better, so less risk for them. The paperwork is brutal, though... I had to track down manufacturer specs and get extra photos just to prove my last install was up to code. Sometimes I wonder if the hassle even pays off compared to just sticking with what’s already on the roof.
That’s been my experience too—metal roofs are the only thing that really made a dent in my premium. I get what you mean about the paperwork, though. When I switched over, the insurer wanted proof of the gauge, fastener type, even the underlayment. It felt like a full-time job just gathering everything. Still, after a couple hailstorms last year, I’m glad I went through with it. The peace of mind is worth something, even if the process is a pain.
