When it comes to safeguarding your home and saving money, few upgrades offer as much long-term value as a metal roof. Strong, stylish, and surprisingly energy-efficient, metal roofing has become a top choice for homeowners across the country. But beyond the visual appeal and durability, one question stands out: does a metal roof lower your insurance?

At Puyallup Roofing, we’ve helped countless homeowners explore the benefits of upgrading to a metal roof—both for better protection and potential insurance savings. Let’s dive into how your roof type can influence your homeowners policy, what insurers consider when determining your insurance rate, and how investing in the right roofing materials could make a difference in your premiums.

Understanding How Roof Type Affects Your Insurance

Your roof plays a critical role in your homeowners insurance cost. Insurers evaluate your roof type, roof materials, and roof structure to estimate risk. For example, asphalt shingles—while common and affordable—are more susceptible to wind and hail damage than metal roofs or slate.

The more durable your roofing material, the less likely your home will suffer severe damage, meaning lower claims for your insurance provider. This is where Puyallup Roofing comes in—helping you select a roof type that enhances both your home’s resilience and your potential insurance discount.

Why Metal Roofs Stand Out in Durability and Safety

Metal roofs are built to last decades—often up to 50 years or more—with minimal maintenance. Unlike asphalt shingles that can crack or curl, a steel or aluminum metal roof resists fire, mold, and impact from debris.

Insurers see this durability as a significant advantage. A properly installed metal roofing system can withstand harsh weather, which may reduce the number of insurance claims filed under your homeowners policy. Many insurance companies reward that reliability with lower insurance premiums—making metal a smart investment for your home.

At Puyallup Roofing, our expert team installs metal roofs designed for performance and longevity, giving you peace of mind and potential insurance savings.

Does a Metal Roof Lower Your Insurance? The Simple Answer

Yes—a metal roof can lower your insurance in many cases. However, the exact amount of savings depends on your insurance provider, region, and the specifics of your policy.

Some insurers offer a 5% to 35% insurance discount for homes with metal roofing, recognizing that these roof types are less prone to damage from hail, wind, or fire. That’s because metal roofing materials help reduce the insurer’s risk exposure—fewer claims, fewer payouts, and a safer home for you.

Puyallup Roofing helps homeowners understand how their roof style and roof structure may impact premiums, guiding you toward options that combine strength, style, and financial benefits.

Factors That Influence Your Insurance Rate

When determining your insurance rate, providers look at several key factors beyond the roofing material itself:

• Age of the roof: Older roofs may have wear or structural issues.
• Roof pitch and slope: A steep or pitched roof may shed water and debris better than a flat roof.
• Roof type and style: A gable roof or hip roof can influence wind resistance.
• Material performance: Metal, asphalt, cedar, or slate all offer different levels of protection.
  

Puyallup Roofing ensures every installation is done to meet top industry standards, which may help demonstrate to your insurance provider that your roof reduces overall risk.

Comparing Metal Roofs vs. Asphalt Shingles for Insurance Savings

Asphalt shingles are popular, affordable, and easy to install—but they’re also more prone to weather damage. Metal roofs, on the other hand, offer unmatched resilience. Because they resist fire and severe storms, they may lead to lower insurance premiums over time.

For many homeowners, the upfront investment in metal roofing pays off through long-term insurance savings and reduced maintenance costs. Puyallup Roofing helps you weigh these benefits and choose the best roof type for your home and budget.

Talking to Your Insurance Provider About Roof Discounts

Before switching to metal roofing, contact your insurance provider to discuss possible insurance discounts. Ask:

• Does a metal roof lower your insurance under your current policy?
• Are there specific certifications or materials required for the discount?
• How much could your insurance rate drop after installation?
  

At Puyallup Roofing, we can even assist in providing detailed installation documentation to help you verify your roof’s quality and compliance with insurer standards.

Regional and Policy Variations in Insurance Savings

Your potential insurance savings can vary based on where you live. Regions prone to hail, wildfires, or hurricanes often reward homeowners who choose metal roofing because of its durability.

However, every insurance company sets its own criteria. Some policies may only reduce premiums if your roof meets specific impact or fire-resistance ratings. That’s why Puyallup Roofing encourages every homeowner to request an updated quote or estimate before finalizing their new roof installation.

Metal Roofing and Long-Term Home Value

Beyond potential insurance discounts, a metal roof also boosts your home’s resale value. Homebuyers appreciate the longevity, low maintenance, and energy efficiency that metal roofs provide.

A modern metal roof can enhance your home’s curb appeal and reduce future insurance costs, making it a wise investment both now and for years to come. Trust Puyallup Roofing to install a roof that performs beautifully and adds measurable value to your property.

The Environmental and Energy Benefits of Metal Roofs

Metal roofs are also eco-friendly. Many are made from recycled materials and reflect solar heat, helping reduce energy use in warm climates. This energy efficiency can further influence how insurers view your home’s risk and value.

Choosing metal roofing from Puyallup Roofing means investing in both sustainability and long-term savings—financial, environmental, and structural.

The Bottom Line: Smart Roofing, Smarter Savings

So, does a metal roof lower your insurance? In most cases, yes. The strength, longevity, and safety of metal roofs can lead to reduced insurance premiums, especially when installed by trusted professionals.

Your roof type plays a vital role in your home’s protection and financial future. With Puyallup Roofing, you gain a team that understands how to blend craftsmanship, quality materials, and expert installation to give you lasting peace of mind—and potential insurance savings to match.

Protect What Matters Most with Puyallup Roofing

Ready to upgrade to a roof that saves you more than just stress? Contact Puyallup Roofing today for a professional roofing estimate and discover how a durable metal roof can enhance your home’s safety, beauty, and insurance savings. Trust the experts who know how to build smarter, stronger, and more reliable roofs—because with Puyallup Roofing, your home is always in good hands.