Insurance Discounts for Metal Roofs: What You Need to Know: 1 Minute to Understanding Metal Roof Insurance BenefitsSarah ThompsonJan 19, 2026Table of ContentsWhat Discounts Can You Expect with a Metal Roof?Do All Metal Roofs Qualify for Discounts?FAQFree Smart Home PlannerAI-Powered smart home design software 2025Home Design for FreeIf you’re considering a metal roof for your home, you’ll be pleased to learn that one of the key advantages could be the insurance discounts you might qualify for. Insurers often reward homeowners who invest in durable and long-lasting roofing materials. However, understanding the specifics of these discounts can be a bit tricky.What Discounts Can You Expect with a Metal Roof?Many insurance companies recognize that metal roofs are durable and resistant to extreme weather conditions. Therefore, they may offer a discount on your homeowner's insurance premium. The average discount can range from 5% to 35%, depending on your provider and location.This discount rationale stems from the fact that metal roofs can withstand harsh elements better than traditional roofing materials, leading to fewer claims and lower risk for insurers. Always check with your insurance agent to determine how much you could save by switching.Do All Metal Roofs Qualify for Discounts?Not all metal roofs automatically qualify for discounts. Factors such as the type of metal, installation quality, and the age of your roof play significant roles. Generally, roofs made of materials like steel, aluminum, or copper, when installed correctly, are more likely to earn you a discount.It's also essential to keep documentation about the material and installation, as insurance companies may require proof to grant the discount. Make sure to inquire directly with them!FAQQ: How do I apply for a metal roof discount on my insurance?A: Start by contacting your insurance provider to ask about available discounts for metal roofs. They may require documentation of your roofing material and its installation.Q: How much will a new metal roof actually save me on insurance?A: Savings can vary significantly between insurance companies, but many homeowners report savings of 5-15% after switching to a metal roof.Q: Will my insurance premium go up after getting a metal roof?A: It’s unlikely that your premium will go up just for switching to a metal roof. Many insurers offer discounts specifically for this type of roofing due to its durability.Home Design for FreePlease check with customer service before testing new feature.