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“Insurance companies are all over the map with how they value risk, so you might as well take your shot.”
That’s been my exact experience. I had a metal roof put on last year—figured the durability would be a slam dunk for insurance savings. Turns out, only one of the three insurers I checked even cared. The other two barely blinked at the upgrade. It does feel random sometimes, but at least with the inspection, you’ve got proof your roof’s solid.
One thing I noticed: some companies actually give an extra discount if you can show your roof meets certain wind or hail standards. Worth asking about, especially if you’ve got newer materials or had work done recently.
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