Replacing an aging or damaged roof is an important step in providing crucial protection from the damage the elements can dish out — from heat, wind and rain, to snow, sleet and hail. But Keller homeowners may not realize that the type of roof shingle they choose can make a big difference, not only in the protection it offers to the home, but also in the cost of their homeowners’ insurance.
Here are a few things homeowners should keep in mind when looking to save money with a new roof.
Roof replacement can save money
Even though it’s initially costly, homeowners in Texas can actually save money by installing a new roof, as long as they choose the right shingle.
For years, insurance carriers have been incentivizing homeowners to install shingles that are rated for impact resistance in an effort to reduce the number of roof claims. As a result, using qualifying impact-resistant roofing products may qualify for significant premium discounts on homeowners’ insurance.
The nudge toward impact-rated shingles (sometimes called “IR” shingles) is increasing. Recently, some municipalities in Colorado went as far as mandating UL 2218 Class 4 Impact Resistance classification for all new roofs, a trend that’s anticipated to continue growing into other severe-weather states (Texas is known for hail.)
The type of shingles you use matters
Most major shingle brands now have a UL 2218 Class 4 Impact Resistance classified shingle available, but the way the shingles are reinforced differs widely. The newest IR asphalt shingle on the market reinforces the entire back of the shingle with a strong polyester fabric. Other methods used to reinforce IR shingles include using fabric over just portions of the shingle or coating the shingle with another substance.
While they are distinctly different than traditional shingles because of their reinforcement, these UL 2218 classified options still offer the pleasing aesthetics homeowners have come to expect from modern asphalt shingles. Heritage IR features the same naturally-deep shadow lines that portray the look of wood shakes, and they are available in some of the company’s most popular color choices.
Check with your insurance carrier
Many major insurance providers offer premium discounts for UL 2218 Class 4 classified shingles, but the percentage of savings and the areas of the country where the discount applies vary by insurance carrier. Homeowners should check with their insurance carrier online to see a list of pre-approved shingles and regions, and check with their local agent for a quote of the premium discount for their specific home. Boyd with Academy Roofing said that he’s seen premium discounts close to 30 percent in Colorado for Class 4-rated products.
Learning about the newest and most effective shingles on the market can help save money and worry, both by protecting the home from the top down and potentially reducing insurance costs. Keller Homeowners contacting their insurance carrier and getting educated about roofing options can help them make a smart choice for both their homes and their wallets.
Whether it's selling your home or finding a new one, we have designed this site so that you can quickly and easily locate the information you are looking for. The Grove Team's client-centered approach results in the best possible outcome for you. Please contact us now to begin the process of achieving your dreams in home ownership. Call 817-337-0000 for Keller Home's for sale in Keller ISD.
No comments:
Post a Comment