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Insurance Coverage

Insurance Discount for Metal Roofing

Have a steel or aluminum roof? Your insurer may owe you a big break on your premiums. Most insurance providers in British Columbia discount home insurance rates for homes with metal roofs thanks to superior durability, fire resistance, and impact resistance. 

Insurance companies favour metal roofing systems because they’re far less likely to sustain damage from hail, a windstorm, and house fires. The fewer claims, the lower your insurance premiums.

Your insurance provider may offer discounts depending on factors such as the roof’s material (steel or aluminum), manufacturer, quality of coating, and fire resistance rating. The most common discounts include: 

  • New Metal Roof Discount: a new roof is less likely to leak or have other damage since it is brand new.

  • Impact and Hail Resistance Discount: discounts for impact resistance depend on roofing and roofing material used, as well as your location. The discount is usually greater when the house is in an area that is prone to hail.

  • Fire Resistance Discount: no roof is more fire-resistant than a metal roof. Both Armadura Steel Roofing and Classic Products Aluminum Roofing are rated Class A for fire resistance.

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