How to save up to 35% on home insurance with a metal roof installation?

How to save on insurance with a metal roof installation

Metal Roof Installation can significantly impact your home insurance premiums – did you know about that? Most homeowners in Ontario often face the issue of paying high bills for house insurance. Metal roof installation is a good way to reduce your bills. This type of roofing is widely known for its cost-effectiveness, durability, and strength.

Here are the main advantages of metal roof installation:

  1. Safety
  2. Durability
  3. Savings

Safety of Metal Roof Installation

Metal roofs differ from other roofing materials in their strength and long service life. Experts believe that metal is the most durable and reliable material during hurricanes, tornadoes, strong winds, hail, and other natural disasters in Ontario. Moreover, its strength can protect the house and its inhabitants from falling trees during a hurricane. With their non-combustible nature, metal roofs significantly reduce the risk of fire damage, making them an excellent choice for homes in wildfire-prone areas.

Moreover, metal roofs interlocking panels offer superior security against leaks and water penetration, maintaining the structural integrity of your home even during torrential rains. Due to their reflective properties, it can help in reducing heat buildup, thereby not only providing a safer living environment but also contributing to energy efficiency and comfort.

Can you save up to 35% on insurance with a metal roof installation?

Can you save up to 35% on insurance with a metal roof installation?

Durability of Metal Roofs

The service life of metal roofing material is usually 50 years or more. In addition, it is extremely resistant to various deformations, cracks, chips, and delamination. Metal roofs are unaffected by high and low temperatures, as well as precipitation. Furthermore, metal is a fire-resistant material as it does not have properties that lead to combustion.

The durability of that type of roofs is unmatched, as they are impervious to damage from pests and mold, maintaining their structural integrity and appearance over decades. Most household fires and lightning strikes pose minimal threat to it. Insurance companies are aware of this, so they often give good discounts to those clients who chose a metal roof installation for their homes.

Unlike asphalt shingles, metal roofing materials do not become brittle or susceptible to damage from extreme temperature fluctuations, offering consistent performance in any climate. Metal roofs feature advanced coatings that prevent rust and corrosion, making them an ideal choice for homes in coastal or humid regions where other materials might degrade quickly.

Can you save up to 35% on insurance with a metal roof installation?

Savings of Metal Roof Installation

In addition to strength and reliability, there is another significant advantage to installing metal roofing. It is a substantial way to save on home insurance. Insurance agents are aware of the benefits of installing metal roofs. Therefore, they usually accommodate such clients and offer significant discounts on regular insurance payments. In some cases, these discounts can amount to up to 35%, which means the opportunity to save thousands of dollars each year.

Important: Before starting the installation of metal roofing at home, contact your insurance agent to get more precise personal information.

Metal roofs installation offer significant cost savings over time due to their low maintenance requirements and long lifespan, reducing the need for frequent repairs and replacements. The energy efficiency of metal roofs can lower cooling and heating costs, as their reflective surfaces help to maintain optimal indoor temperatures throughout the year. Additionally, metal roof installation can qualify homeowners for various tax credits and rebates aimed at promoting energy-efficient and sustainable building practices, further enhancing their economic appeal.

Environmental Benefits of Metal Roof Installation

Here are the environmental benefits of metal roof installation that make them an eco-friendly choice for homeowners: Most metal roofing materials are recycled, such as aluminium and steel, which takes the pressure off the availability of new raw materials and significantly reduces the environmental burden of mining and manufacturing processes. At the end of their lifespan (which is a long life indeed!), metal roofs are 100% recyclable, avoiding ending up in a landfill.

The energy efficiency of metal roofs – which reflect sunlight, reducing the amount of heat absorbed by the building, and keeping homes cool during summer – has a considerable positive environmental impact. There are two dimensions to this.

  • The first is in terms of reducing energy consumption through air conditioning. The reflectivity of metal roofs can reduce energy demands for air conditioning in buildings by 10 to 25%. In turn, this reduces electricity bills at the residential and commercial level, and reduces the demand for energy production, often a major source of carbon emissions in the power generation system which generally requires fossil fuels.
  • The second relates to special finishing coats that can increase the metal roofs’ reflectivity and emissivity and help enhance their energy-saving capabilities.

Can you save up to 35% on insurance with a metal roof installation?

Reducing the ratio of impervious surfaces that cause the heat island effect in the first place will help cool cities By reflecting more sunlight and absorbing less heat than asphalt-shingled roofs, metal roofs can help prematurely bake the back ends of bystanders a little less. And metal roofs reflect and absorb less sunlight than concrete roofs, pavement and much of asphalt. Consequently, cooler cities that require less air conditioning energy can be sustained. Reducing the ratio of impervious surfaces that cause the heat island effect in the first place will help.

Moreover, they can be harnessed with complementary green technology to augment their positive environmental contribution. For instance, metal roof installation make perfect foundations for solar panels. A reflective metal roof topped with solar panels works wonders for both minimizing energy waste and maximizing energy production by the sun for sustainable energy needs, and can reduce the carbon footprint of a home. A metal roof can also be compatible with rainwater harvesting systems, which helps to save water by collecting and using rainwater for irrigation and non-drinking purposes.

metal roof for big savings - add a solar panels to reduce bills and save environment

Increased Property Value with Metal Roof Installation

The longevity and durability of metal roofs accounts for much of the increased property value that homeowners receive from having a metal roof. First, a metal roof has a life expectancy of 50 years or more. This longevity can reduce the property’s maintenance costs, as it spares buyers from the need to purchase a new roof, usually with asphalt shingles, that will need to be replaced by the next owner within 15-20 years.

Enhanced Curb Appeal

Metal roof installation also adds to a property’s curb appeal –and higher value – thanks to its aesthetic value. Metal roofs come in a vast array of styles and colours, and coatings in a range of hues and textures that homeowners can find one that suits the architecture of their home best, giving their home a boost in curb appeal and making it a more alluring ‘skirt of lands blessings’ to prospective homebuyers at any given time. An aged metal roof in immaculate condition can give one’s home an air of positivity and friendliness from afar when prospective homebuyers are viewing on the real estate market.

Low Maintenance and Energy Efficiency

As well as being beautiful and durable, metal roofs have the added benefit of low maintenance; while many homes with conventional roof materials are subject to a disproportionate amount of roof maintenance and repair expenses owing to shingle peeling, leaks, mold and, perhaps most pervasive, pest infestations, metal roofs are resistant to most of these common roofing problems. This low maintenance factor is attractive to buyers because it reduces the amount of time and money they will spend maintaining their roofs.

In terms of attracting more buyers in Toronto and the GTA and increasing property value, energy efficiency is another aspect which can create additional incentives. Cooling costs can be minimized as a result of metal roof installation reflecting solar heat. As a result of this energy efficiency, environmentally conscious and utility-cost-sensitive buyers may be attracted to houses with metal roofs. It has been observed that some of these energy efficient features, including metal roofs, contribute to increased prices of houses in the property market.

how metal roof impacts the home insurance premiums

Not only that, metal roof installation can boost a home’s insurance rating and save hundreds in premium costs.

In the eyes of insurance companies, metal’s inherent durability and fire-resistant features equate to less damage and decreased claim risk.

That’s some serious potential savings for homeowners – another notable financial benefit when considering installing a metal roof – not to mention a selling point for buyers if a home has been treated to the strength and prowess of roofing metal.

Then there’s the fact that a metal roof can elevate a home’s overall curb appeal and perceived value. There is no doubt that many buyers regard metal roofs as a premium feature, which suggests that the home has been well-maintained and is worthy of a premium price. In competitive real-estate markets, this attitude can lead to a quick sale at a premium price.

Final Thoughts

To summarize, a long-lasting metal roof installation will help homeowners create savings in maintenance costs, energy bills, and eventually improve the resale value of the property, qualifying itself as a good investment for homeowners intending to boost the market value of their house.

Benefits of Metal Roof Installation:

Cost Savings:

  • Reduced maintenance costs due to longevity and durability.
  • Lower energy bills because of enhanced energy efficiency.

Environmental Advantages:

  • Made from recycled materials and fully recyclable.
  • Reflective properties reduce the urban heat island effect.
  • Potential integration with solar panels and rainwater harvesting systems.

Increased Property Value:

  • On average, an 86% increase in property value.
  • Attractive to environmentally conscious and utility-cost-sensitive buyers.

Insurance Benefits:

  • Lower house insurance bills due to metal’s durability and fire-resistant features.
  • Potential savings on insurance premiums.

It can be safely concluded that metal roofs are the optimal choice for thrifty and forward-thinking homeowners. With the installation of metal roofs, house insurance bills will become much lower. Our company has many years of experience in installing roofing materials. We also guarantee the quality of the work performed, as well as an individual approach to each client. Our experts will be happy to answer all your questions. Contact Professional Metal Roofing today!

See our works

Giving you a sense of what a metal roof will look like in your home of commercial property