If you live in an area that is prone to severe weather, you have probably considered ways to protect your roof during a storm. Your roof helps to protect the rest of the contents of your home. If your roof remains intact, there is a good chance that the damage to your interior possessions will be minimized. One of the materials that you may want to consider are the impact resistant roofing materials which are on the market. Not only will they help to provide a higher level of protection, but your insurance company may thank you as well.
What Is Impact Resistant Roofing?
When you are shopping for roofing materials, you may be surprised to find materials which appear to look the same, but have a huge disparity in pricing. When you look closer you will find that the difference in pricing often comes from the difference in classifications. Roofing materials are rated by Underwriters Laboratories (UL) Standard 2218 as:
- Class I
- Class II
- Class III
- Class IV
While the materials may appear to be similar, the higher the rating, the more impact resistant the materials are. Class IV materials are considered to be the best impact resistant materials. To earn a rating, the materials have been tested in the laboratory by steel balls which have been dropped from various feet, as well as different angles to mimic damaging hail.
The materials that are rated as a class IV withstand this testing without showing any evidence of cracks or ruptures. Materials with a lesser rating may hold up, but will show signs of damage. The less damage they show, the higher the rating. The damage that the lower classes of materials are susceptible to during testing, is the same damage which may require you to have to repair, or replace, your roof after a weather event.
Advantages of Impact Resistant Roofing
Impact resistance is not all you will get for the extra cost. These highly rated materials come with several other benefits.
- Many impact resistant materials will come with longer warranties. Some limited warranties can be found which are also transferable with the sale of your home.
- Impact resistant materials are also often Class A fire rated. This is the highest fire rating, which can be earned by roofing materials, and will help to protect your home in the event of a fire.
- The possibility of having to replace your roof is greatly reduced. This lessens the amount of materials deposited in your local landfills.
Impact Resistant Roofing May Save You Money In The Long Run
In addition to the other advantages, you may even find that your insurance company is willing to offer you a discount on your homeowner's premium for installing an impact resistant roof. They know that the more protection that your roof offers, the less likely you will have to file an insurance claim for damage.
Even though this discount may appear to be attractive, ask your insurance company exactly how their coverage works. Severe hail often causes unsightly dents and dings, especially in metal roofing materials. Many companies will not cover damage which does not impinge the integrity of your roofing unless you have additional riders. If this is the practice of your insurance company, this means even if there is substantial cosmetic damage, your insurance policy may not cover it.
Many times an additional rider may only cost a few dollars, but it must be purchased in advance of you having any damage. These riders may be worth the investment if you live in an area which experiences significant hail. Ask your insurance agent for an exact quote.