Many residential property owners are not aware of the fact that they may be eligible for a reduction of their home insurance premium if the roof of their home is made up from particular roofing materials. Insuring your home can be expensive so it is important to make sure that you are not paying more than you should be for your current insurance premium.
If you live in a qualifying state, you may be eligible to receive significant premium discounts if you use certain impact-resistant products when constructing your roof.
If you think you may be eligible to receive a discount then you should check the list of roofing products that are eligible for a discount. Eligible products are listed from a number of different suppliers, and include asphalt, concrete tile, metal and some alternative roofing materials such as plastic and synthetic shingles and rubber panels. Metal roofs usually require a signed cosmetic damage exclusion and you will not be eligible for discounts for materials laid on top of existing roofs, other than some qualifying metal roofs.
You can fill out a claim form for reduction, including details of the materials used in your roof (including brand name, manufacturer name, color of material and manufacturing date), the name of the installation company and the date it was installed. The form must also be signed by the installer or a registered inspector. This form needs to be sent to your insurance company in order to apply for the appropriate discount.
Any discount counts so always check with your insurance agent on what discounts are available, many times they won't advertise these discounts so do your research to make sure you are getting all the discounts you are qualified for.
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