Can Roof Repairs Lower Your Insurance Premiums?

Did you know that repairs and replacements to your roof could reduce your homeowner’s insurance premiums by up to 35%? At United Contracting & Roofing, we regularly work with insurance companies and have seen repeatedly that a healthy roof can lead to significant savings on your premiums.

Below, we break down how different roofing types age over time, and how our services can help you lower those insurance costs.

Roofs Aged 6-10 Years

Asphalt Shingles:

At this stage, asphalt shingles should appear in good condition, with minimal curling, discoloration, or granule loss. Some weather-related wear may be present on high-exposure areas, but overall, we expect the roof to be structurally sound. Small issues such as loose or missing shingles or flashing at the chimney or skylights may start to show.

Metal Roofs:

Metal roofs in the 6-10 year range often still look nearly new, especially when made from high-quality materials. However, watch for early signs of rust around fasteners or minor dents from hail. Properly maintained metal roofs can continue to perform exceptionally well, with high resistance to storms and leaks.

Flat Commercial Roofs:

Flat roofs between 6-10 years old should still maintain their waterproof membrane without any significant ponding or punctures. However, minor damage from foot traffic or debris may begin to show, particularly around seams. Regular inspections and maintenance are crucial to avoid leaks.

Insurance Impact:

A well-maintained roof in this age range often results in minimal premium increases, as the roof is expected to continue performing well. You could save 5-15% on your premiums by ensuring any early signs of wear are addressed quickly.

Roofs Aged 11-15 Years

Asphalt Shingles:

By this time, you may notice increased granule loss, cracked or curling shingles, and possible discoloration. Shingles around vents, chimneys, and skylights often show signs of damage first. This is the point where proactive repairs will make a big difference in your roof’s lifespan and function.

Metal Roofs:

Metal roofs of this age are still very strong, but they might start showing signs of wear such as fading paint or small areas of rust. If properly maintained, a metal roof could last 40+ years, but now’s the time to check for hidden issues, particularly after storms.

Flat Commercial Roofs:

Flat roofs between 11-15 years may begin to show signs of wear at the seams, flashings, and around drainage areas. Regular inspections are critical to catching small leaks or ponding before they cause more costly problems.

Insurance Impact:

At this stage, some insurers may increase premiums due to the roof’s age. Keeping the roof in good shape by addressing any maintenance issues immediately can help you maintain lower insurance premiums, saving 10-15% on your premiums.

Roofs Aged 16-19 Years

Asphalt Shingles:

In this range, you’ll start seeing more significant wear and tear, with possible leaks, buckling, and severe curling of shingles. The roof’s ability to protect against water intrusion may be compromised without major repairs or partial replacement.

Metal Roofs:

A metal roof of this age can still perform well, but areas of rust or wear from storm damage need to be addressed. Without regular maintenance, minor issues can become larger structural problems.

Flat Commercial Roofs:

At 16-19 years, flat roofs often require a thorough inspection for membrane deterioration, ponding, and leaks. If repairs or re-roofing haven’t been done yet, it’s critical to address these issues now to avoid more significant damage.

Insurance Impact:

Regularly scheduled maintenance, proactive repairs, and regular inspections can still reduce premiums by up to 15-20%, as insurers view a well-maintained roof favorably even at this age.

Roofs Aged 20+ Years

Asphalt Shingles:

At 20+ years, most asphalt shingle roofs are nearing the end of their lifespan. Shingles may be severely worn, broken, or missing, leading to regular leaks and poor insulation. In most cases, replacement is needed.

Metal Roofs:

If maintained well, metal roofs over 20 years can still provide excellent protection, though they might show signs of fading, corrosion, or storm-related wear. Regular upkeep is key to extending the roof’s performance well past this stage. Metal roofs can last up to 50 years, so at this stage, your metal roof should still be in overall good condition.

Flat Commercial Roofs:

At this age, a flat roof will likely require replacement or significant repairs. Patches of membrane deterioration or drainage issues may be common. Failing to address these can lead to costly leaks and structural issues.

Insurance Impact:

Flat commercial roofs and asphalt single roofs over 20 years old can cause a major spike in premiums unless they are fully resurfaced or replaced. Handling this work through a professional service like United Contracting & Roofing could bring your insurance premiums down by as much as 35%. A well-maintained metal roof of this age could still offer premium reductions with proactive repairs, saving homeowners up to 25% on their insurance.

Schedule Your Free Inspection

At United Contracting & Roofing, we specialize in keeping your roof in top condition, no matter its age. By ensuring that your roof is regularly maintained or replaced when necessary, you can save significantly on your homeowner’s insurance premiums. Contact us today for a free commercial or residential roof inspection, and we’ll help you maximize your savings and keep your home protected from the elements.

What Happens When the Structure of Your Roof Is Severely Damaged

April 2, 2025 Tips & Tricks

COMMERCIAL ROOFING

RESIDENTIAL ROOFING

ABOUT UNITED

Office Locations:

Roofing Tips

Discover tips, advice, and resources from your friends at United Contracting and Roofing!