Roof factors that can impact your price

Roof type and material

Insurers often factor the type of roof and quality of material into their rebuild costs. Roofs made of slate, tile, concrete shingles, or metal offer the best protection, but also cost the most to replace. Still, roofs that perform better will generally cost less to insure because you're less likely to have a claim.

Here's how roof types rank for most states (from lowest to highest insurance cost):

  1. Metal

    Durable and fire resistant, metal roofs are usually the most appealing to your insurance company.

  2. Slate/Tile

    Slate is resistant to fire, rotting, and insects, and requires little maintenance. Tile may crack more easily, but it provides quality insulation and won't rot or burn.

  3. Asphalt shingle

    The most common roof type based on affordability and relatively long life span, but will decay more easily than metal or slate roofs.

  4. Wood

    Comprised of shingles or shakes, wood roofs aren't fire resistant. Some insurance companies may not cover a wood roof or may require you to apply a fire retardant to get coverage.


It goes without saying—the newer the roof, the better your home insurance rate. Old roofs are insurance risks, and some insurers may refuse to cover an old roof.


While it may not be as important as the material, your roof's shape could also impact your home insurance price. The most common roof shapes are gable and hip.

Gable roof

Looks like an upside-down V, can be vulnerable to high winds, and may cost more to insure.

Hip roof

Usually has four sides and costs more to build; however, its resistance to wind may help bring down your insurance price.

Flat roofs

These are not as common as other types.

Pro tips for roof maintenance

The condition of your roof affects the value of your home so maintenance is imperative, especially on an aging roof.

Have a roofing professional inspect it every few years: Preventative maintenance could save you from a large future expense (remember, your home insurance policy won't cover wear and tear).

Remove objects that land on the roof: Debris may cause your roof to start rotting.

Replace worn shingles: These are more susceptible to water damage and leaking.

Document the health of your roof: Before and after photos will accurately depict the damage for a potential insurance claim.

Contact your agent or insurer whenever you make an improvement: Upgrades to your roof may mean a discounted home insurance rate.