Metal roof insurance discount

A metal roof insurance discount is a reduction in homeowners insurance premiums that insurers offer for homes with qualifying metal roofs, based on their superior durability and fire resistance. Insurers such as State Farm, Allstate, and Farmers provide discounts ranging from 5% to 35% for approved metal roofing materials.

Insurance companies require documentation like installation invoices or manufacturer certifications before applying the discount. Metal roofs lower risk of hail damage by up to 40%, which directly reduces claims frequency according to Insurance Institute for Business & Home Safety (IBHS) data.

Only standing seam and Class 4 impact-resistant metal panels typically qualify for maximum discounts; corrugated or low-gauge metals may not be eligible. Discounts apply only if the entire roof is replaced with metal, not partial installations or overlays on asphalt shingles.

Some states–such as Texas and Florida–mandate insurer participation in premium reductions for wind- or fire-rated metal roofs under state law. Policyholders must request re-evaluation after installing a new metal roof since most insurers do not automatically update coverage terms or pricing, YourInsurance.info confirms.