Insuring Metal Roofing Against
Hail, Wind & Fire

5. How well does a metal roof handle the elements?
I'm concerned about storms, lightning, wind and
hail as well as fire.

When insuring metal roofing against such things as hail, wind and fire you are likely to get a lower premium than if you had a conventional roof. Why? The reason is rather simple. Metal roofing has withstood decades of abuse from extreme weather, even hurricanes and wild fires. Its resistance to wind and severe uplift conditions are considerably better than building code standards.

Metal Roofing also does well in terms of resistance to Fire. After all, any camping trip I’ve been on we never sent the kids out for a bunch of metal to start a fire. Seriously, most Metal roofs will have a Class A fire rating, which is the best you can get. Fire resistance is probably best seen by the fact that many, if not most, insurance companies will give a credit on homeowners policy when you have a Metal Roof.

Many metal roof systems have been tested for such things as hail, wind and other harsh weather conditions. Most metal roofing systems are wind and hail rated well above code standards.

Metal roofing also does very well if you live in snow country. It is often the roof of choice in such areas. Metal will shed snow and ice quickly keeping the added weight off your structure and preserving the structural integrity of your home. Ice damming at the eves and in the valleys are also eliminated preventing leaks - no standing water.

Many are concerned about lightening strikes. Thinking that metal roofing attracts lightening is a myth. The fact is that lightening tends to strike the high ground in a given area. Now, if your metal clad home happens to be on high ground you may be wise to contact a company that specializes in lightening rod systems. Otherwise, your chances of be hit are the same as if you had an asphalt shingle roof.

For all of these reasons, insuring metal roofing is often another area where your costs, like energy expenses, are reduced. Please review the cost of metal roofing to see how metal roofing makes both practical, aesthetical and economical sense.

10 FAQs

Insuring Metal Roofing

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