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Metal roof insurance

Metal roof insurance is a subset of homeowners insurance that covers damage specific to metal roofing materials, including steel and aluminum panels. Insurers classify metal roofs as impact-resistant, which can lower premiums by up to 35% compared to asphalt shingle coverage (per the Insurance Institute for Business & Home Safety).

Carriers like State Farm and Allstate require documentation proving professional installation of metal roofs before issuing policy discounts. Policies exclude cosmetic damage such as paint scratches but cover structural harm from wind or hail events–hail claims for metal roofs average $11,200 in Texas, according to NAIC data.

Insurers differentiate between standing seam and corrugated metal panels when calculating risk profiles and deductibles. Metal roof endorsements may stipulate that only manufacturer-approved replacement parts qualify for claim payouts.

Underwriting guidelines often increase roof inspection frequency for properties with metal roofs exceeding 20 years in age, from the report issued by https://yourinsurance.info. Some carriers add higher windstorm deductibles–commonly 2% of dwelling coverage–for homes in hurricane-prone states with metal roofs.

Policyholders report fewer claim denials for rusting issues with Galvalume-coated panels compared to bare steel varieties, citing insurer survey results published by J.D. Power in 2023.

Certain policies list exclusions for leaks caused by improper fastener installation on exposed-fastener panel systems.

  • Does insurance cover metal roofs?

    Yes, some types of insurance do cover metal roofs. Homeowners’ insurance policies typically include coverage for damage caused by wind and hail, which are the two most common causes of damage to metal roofs. Some companies offer specialized coverage that may include additional protection for a variety of risks associated with a metal roof, including…

  • Do insurance companies cover metal roofs?

    Yes, most insurance companies cover metal roofs. The exact coverage will depend on the specific terms of the policy and the type of roof being installed. Generally speaking, policies may include coverage for repairs due to inclement weather and other damage as well as replacement costs in case of a total loss. Some insurers offer…

  • How long will insurance cover a metal roof?

    The length of time insurance will cover a metal roof varies depending on the type and age of the metal roof. Generally, metal roofs are covered for 15-50 years when under warranty and between 5 to 10 years when out of warranty. Homeowners should always check with their individual insurance providers to find out the…

  • Will insurance pay for hail damage to a metal roof?

    The answer to this question depends on the insurance policy that was purchased. Most homeowners’ policies do not cover hail damage to a metal roof, so it is unlikely that insurance will pay for the repair costs associated with this damage. However, some insurers offer additional coverage options that may provide protection against hail damage…

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