How Concrete Roof Tile Can Save Costs On Midwest Insurance Premiums
June 15, 2022
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By Stoneworth
When it comes to protecting your home, few things are as important as your roof. It not only protects important interior structures and features, but it also, of course, protects everything in your home that you hold dear. Once your roof has been compromised, the risk of damage increases exponentially. From electronics to keepsakes, your roof is what stands between you and the elements, and that’s no small feat.
This is a fact homeowners insurance companies understand all too well, and the condition, quality, and material of your roof is one of the most important factors used in determining your insurance rate.
Concrete Roofing Tile Outperforms Its Alternatives
There are a handful of roof tile options to choose from, but here at Stoneworth™ Roof Tile, we believe that concrete roof tiles are the ideal choice for quality, aesthetics, protection, and longevity.
The most common choice of roofing tile material you’ll see is asphalt, due to its affordability and relative longevity, but those benefits are quickly outweighed once any sort of decay sets in. This can significantly affect your insurance rates, especially if your asphalt roof is not new. Concrete tile, unlike asphalt roofing, is insect and rot resistant, and will last significantly longer than asphalt, regardless of weather conditions.
Metal is another popular choice, although quite a bit more expensive. While insurance companies do look favorably upon metal roofing tiles in terms of discounts, metal suffers considerably when it comes to aesthetics, and presents a limited set of visual options. Concrete tile brings with it a host of stunning aesthetic possibilities, and insurance incentives.
A roof with wooden shakes, regardless of age, will provide the least cost savings of all, due to the fact that they have little-to-no fire resistance and can quickly warp in certain weather conditions. Replacing your wooden shake roof with concrete tiles can drastically increase your insurance savings, by ensuring less risk to the homeowner and the insurer over the life of this roof.
Find Insurance Savings With Any Stoneworth Roof
Another major factor insurance companies take into consideration is impact resistance. Roof tile manufacturers rate shingles by class, ranging from Class 1, 2, 3, or 4. This is determined by the amount of impact the shingles can endure without cracking.
Many insurance companies will award discounts for roofs with a Class 3 or 4 rating. At Stoneworth, all of our tile options are rated at least Class 3, while our Venetian tile ranks at Class 4. So, you can rest easy, knowing that no matter which Stoneworth tile you choose, you will certainly qualify for that discount, should your insurance company offer it.
The Lower the Risk, The Higher the Savings
The bottom line is that your homeowners insurance company wants to invest in a property with as little damage risk as possible, and the best way to ensure that is through a dependable, long-lasting roof. Stoneworth is a roof tile manufacturer that understands this fact, and strives to provide the highest-quality, most durable concrete roof tiles available in Kansas City and beyond.