DID YOU SAY INSURANCE SAVINGS?!
HERE ARE SOME OF THE CRITERIA INSURANCE COMPANIES USE TO DETERMINE YOUR DISCOUNT
- IMPACT RESISTANCE
- FIRE RESISTANCE
IMPACT RESISTANCE DISCOUNTS DEPEND ON THE FOLLOWING:
Roof classification is determined by the UL test standard 2218; roofing material is considered to have impact resistance if it passes the standard. Roofing materials are rated from one to four, with four being the highest rating.
Standard 2018 testing involves dropping steel balls on the roofing material to simulate the effect of hail. Metal roofs typically pass at a class four, qualifying for the highest discounts. Better yet, steel roofing retains its impact resistance throughout its service life, unlike materials that deteriorate over time due to weather exposure.
The impact resistance discount could be as much as 35%. If you have something called dwelling extended insurance, that discount could reach as much as 46%. WOW!
FIRE RESISTANCE DISCOUNTS DEPEND ON THE FOLLOWING:
Roof classification is determined by the UL test standard 2218; roofing material is considered to have impact resistance if it passes the standard. Roofing materials are rated from one to four, with four being the highest rating.
Standard 2018 testing involves dropping steel balls on the roofing material to simulate the effect of hail. Metal roofs typically pass at a class four, qualifying for the highest discounts. Better yet, steel roofing retains its impact resistance throughout its service life, unlike materials that deteriorate over time due to weather exposure.