Do Insurance Companies Give Discounts for Storm-Resistant Roofs?

Yes. Most Indiana homeowner's insurance carriers offer premium discounts for impact-resistant roofing materials — typically 5 to 28 percent off the dwelling coverage portion of your premium. The discount amount varies by carrier, product rating, and your specific policy.

Which Products Qualify

The standard is the UL 2218 impact resistance rating, which has four classes. Class 1 is the lowest (resists a 1.25-inch steel ball) and Class 4 is the highest (resists a 2-inch steel ball). Most insurance discounts require Class 3 or Class 4.

Products that typically qualify for the maximum discount:

Impact-resistant shingles rated Class 4 — GAF Armor Shield II, CertainTeed NorthGate, Owens Corning Duration FLEX, Malarkey Vista AR, and similar products from major manufacturers.

Metal roofing — standing seam and stone-coated steel products generally qualify for Class 4 or equivalent discounts, though the specific discount depends on your carrier's classification system.

Products that qualify for partial discounts:

Class 3 rated shingles and some enhanced architectural shingles with improved impact performance but below Class 4 rating.

How Much You Actually Save

The discount applies to the dwelling coverage portion of your premium — not the total premium. Dwelling coverage is typically the largest portion but doesn't include liability, personal property, or additional coverages.

For a Fort Wayne homeowner with a $250,000 dwelling coverage and $1,200 in annual dwelling premium:

At 10 percent discount: $120 per year savings, $3,000 over 25 years. At 20 percent discount: $240 per year savings, $6,000 over 25 years. At 28 percent discount: $336 per year savings, $8,400 over 25 years.

Combined with avoided deductible payments from reduced claims ($1,000 to $2,500 per avoided event), the total financial benefit over the roof's life easily exceeds the upfront material premium.

How to Get the Discount

Contact your insurance agent before choosing roofing materials. Ask specifically what discount applies to Class 4 impact-resistant products and what documentation they need.

Most carriers require a copy of the manufacturer's product specification showing the UL 2218 Class 4 rating and a certificate from your contractor confirming the product was installed. Some require a post-installation inspection.

Get the discount details in writing before committing to materials. The discount amount can be a deciding factor between standard and impact-resistant products.

An Important Note

The discount applies at your next policy renewal after installation — not retroactively. If your renewal is 11 months away, you won't see the savings for almost a year. Factor the timing into your cost analysis.

Get a free assessment or call (260) 255-4551.