Sunday, February 8, 2009

Hail Resistive Roof Saves on Insurance

State Farm just started putting this line on my insurance declaration page:

Premium Reduction:
Hail Resistive Roof: $521/yr.

My roof is a spanish tile look-alike made of stone coated steel from Gerard

I don't know if clay-based or concrete tile roofing qualifies for the discount, which is about 30%. Both of those systems, however, require a significantly stronger roof structure due to the higher dead load. (edited 2/10)

So, I got a premium-looking roof that pays for itself in ten years compared to asphalt shingles.

It's a very green choice because the steel is recyclable, and guaranteed for 50 years.


  1. Have you explored concrete tile?

  2. Please see edited post. Because of the added cost of the roof structure, stone coated steel is preferable.