ROOFING MATERIALS

If your homeowner’s insurance provides full-replacement coverage, the insurance company will replace roof with like-and-kind options – meaning you will be able to replace your roof with a shingle that is the same quality as your current shingle.

When selecting a shingle, there are several options from which to choose:

1. Class 4 Hail-resistant Shingle – Class 4 shingles are specifically made to absorb or withstand impacts from hail or other fallen debris. Class 4 shingles have the ability to withstand hail of up to 2” in diameter, and installing them can earn the homeowner a homeowner’s insurance premium discount.

2. Architectural or Dimensional Shingles – Also know as 30-year shingles are the most common type of shingles installed in the United States, and are able to withstand wind and moderate hail. Many of these types of shingles include a limited lifetime warranty.

3. Three-tab Shingles – Lay flat and ger their name from three tabs one on single strip of shingle

4. Metal Shingle Roofs – Have a very long effective (up to 50 to 70 years) making them not only durable, but environmentally friendly because they do not have to be replaced. They can also earn the homeowner a Class 4 premium discount.

5. Sheet Metal – Sheet metal roofs come in a wide variety of types and colors. They offer the benefits of durability, energy efficiency, low maintenance, and long-term increased home value. Sheet metal roofs can also help the homeowner earn the Class 4 premium discount.

6. Polymer Roofing Systems – Polymer roofing systems mimic the natural beauty of slate and cedar shingles, and offer lasting color and durability. They provide a Class 4 rating and can help the homeowner earn the Class 4 premium discount.