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January 16.2026

2 Minutes Read

How a Metal Roof Can Lower Your Home Insurance Costs

Illustrative graphic showing factors influencing homeowner's insurance premiums, including price of home and type of coverage, related to metal roof insurance discounts.

Why a Metal Roof Might Save You on Insurance

As homeowners in Folsom and El Dorado Hills, California, many of you want to save money wherever possible, especially when it comes to insurance premiums. One area that might surprise you is how the type of roof you have can affect those rates. Homeowners insurance is influenced by several factors, but the materials used in your roofing are increasingly being recognized for their role in determining risk and, consequently, cost.

The Durability Factor

Metal roofs, known for their longevity and resilience, are making waves in the insurance industry for their lower risk profile. They can last over 50 years without major repairs, making them a smart investment over time. Compared to traditional materials like asphalt shingles that may only last 15-20 years, homeowners with metal roofs are often considered lower risk by insurance companies.

Weather Resistance and Reduced Risk

Regions such as Folsom and El Dorado Hills are not immune to extreme weather, including rain and windstorms, which can damage roofs. Metal roofing excels in these conditions; it sheds water, resists ice dams, and withstands extreme winds, which is a crucial selling point for insurers. Reduced claims mean savings for policyholders, with many insurance companies offering discounts up to 35% for homeowners who choose metal roofs.

Fire Resistance: A Key Advantage

In areas vulnerable to wildfires, opting for a metal roof can be particularly beneficial. Since metal does not catch fire easily, insurance companies look favorably on these roofs, often extending discounts to homeowners who install fire-resistant materials. A Class A fire rating on metal roofs indicates superior protection, which can lead to lower insurance premiums.

Debunking Myths Weighing You Down

Common misconceptions about metal roofing often deter potential buyers. One prevalent myth is that metal roofs create excessive noise during storms. However, with proper insulation, metal roofs can be quieter than other materials. Moreover, concerns about metal roofs attracting lightning are unfounded; in fact, they're less likely to catch fire than wood shingles, providing a safer alternative for your home.

Take a Step Towards Savings

If you’ve been considering a new roof or simply want to explore options for your home, consulting with an insurance agent about potential savings on premiums could be pivotal. Understanding the benefits of metal roofing can not only save you money but also enhance the durability and safety of your home. So, why not take the time today to see how a metal roof could work for your home? With smart investments come smart savings.

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