A new roof is a major investment, with most homeowners spending between $7,500 and $15,000 depending on the materials and size. But what many homeowners don’t realize is that a new roof can lower your homeowners insurance premiums — often saving hundreds of dollars every single year.
Understanding why insurance companies offer roof-related discounts — and how to maximize those savings — helps ensure you get the biggest return on your roof replacement.
How Much Can I Save on Homeowners Insurance with a New Roof?
Most homeowners see a 5% to 35% reduction in their insurance premiums after installing a new roof. On average, the discount is around 20%.
For example:
| Annual Premium | 20% Discount | 10-Year Savings | 20-Year Savings |
|---|---|---|---|
| $1,500/year | Saves $300/year | $3,000 | $6,000 |
That means your roof could pay for itself over time, especially when paired with lower energy costs and long-term durability.
Roof Types That Qualify for the Largest Insurance Discounts
Insurance carriers reward materials that lower risk of weather damage, fire damage, and leaks.
Metal Roofing
Metal roofs offer the best combination of impact resistance, fire resistance, and longevity.
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Insurance discount potential: 5% to 35%
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Extremely long lifespan (40–70 years)
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Excellent performance in hail, wind, and wildfire zones
Falcon Roofing installs several metal systems including standing seam and stone-coated steel roofing — both of which commonly qualify for impact resistance discounts.
Tile & Slate Roofing
Clay tile, concrete tile, and natural slate are all high-durability, fire-resistant roofing systems.
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Insurance discount potential: 15% to 25%
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Ideal in regions with high wind or wildfire exposure
However, these materials are heavier and may require additional structural support.
Impact-Resistant (Class 4) Shingles
If metal or tile is outside your budget, Class 4 asphalt shingles are a strong upgrade.
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Insurance discount potential: 5% to 20%
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Designed to withstand large hail without cracking
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Available in many aesthetic styles
When Falcon Roofing installs a new roof, we can certify whether your system qualifies for Class 4 impact-resistance documentation for insurance approval. To compare durability and insurance benefits by material, see our guide to The Best Types of Metal Roof Tiles in Texas.
Why Insurance Companies Offer Discounts for New Roofs
Insurance companies look at one thing: risk.
Older roofs are far more likely to fail during storms, leading to expensive claims. A 15–20-year-old asphalt roof is much more vulnerable to:
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Wind uplift
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Shingle cracking
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Hail impact damage
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Water intrusion and leaks
If you’re already seeing leaks or water stains, prioritize repairs before renewal—our guide to roof leak repair in Austin explains what insurers look for.
A new, impact-rated roof reduces the insurer’s risk, so they reward you with lower premiums.
In many states, roofs over 20 years old may increase insurance premiums — or the home may become ineligible for coverage unless the roof is replaced.
How to Make Sure You Get the Roof Discount
Follow these steps to ensure your insurance company applies your discount:
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Notify your insurance agent immediately after your new roof is installed.
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Provide documentation:
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Final invoice
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Photos of the completed roof
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Materials used
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Date of installation
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Request the insurer’s required roofing certification form before installation.
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Many carriers use a “Roofing Installation Information and Certification Form.”
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Ask your contractor (Falcon Roofing) to verify Class 4 or fire rating certifications if applicable.
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Falcon Roofing can verify Class 4 and fire-rating documentation and include it with your estimate—start with our roof replacement estimator.
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We help homeowners with this paperwork all the time — just ask when your project begins.
How Long Will the Insurance Discount Last?
This varies by insurance company:
| Insurance Company Type | Discount Duration |
|---|---|
| Some carriers | Only for a set number of years (e.g., 5–10 years) |
| Others | As long as the roof remains in good condition |
Always ask your agent how roof age affects premium pricing so there are no surprises later.
Tips to Maximize Your Savings
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Compare insurance companies after your roof is installed
Rates vary more than most people realize. -
Maintain your roof
Schedule periodic inspections and fix issues fast—use our 24/7 emergency roof repair if a storm creates immediate risks. -
Avoid overlays (installing new shingles over old shingles)
These usually do NOT qualify for insurance discounts. -
Choose materials that qualify for Class 4 impact, fire, or hurricane ratings
A small upgrade now can mean decades of insurance savings.
Frequently Asked Questions
Do I have to tell my insurance company when I replace my roof?
Yes. If you don’t notify them, you won’t receive the discount you’re entitled to.
Will any new roof lower my insurance?
Most new roofs help at least a little, but impact-resistant shingles, metal roofing, and fire-rated materials qualify for larger discounts.
How much do homeowners normally save?
Most homeowners save around 20% on their premiums after replacing their roof.
If my roof was replaced using insurance claim funds, will my rates still go down?
Usually no. Rates may actually increase if a claim was made. The best discounts apply when the roof was replaced proactively, not after damage.
How quickly will I see the discount?
Some insurers apply it immediately; others wait until your policy renewal date.
