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Texans Get Homeowners Insurance Discounts for Impact-Resistant Roofing

Costly Hail Damage

Hailstorms cause billions of dollars worth of damage each year, with roofs bearing the brunt of the destruction.   Damage from wind and hail is one of the single largest causes for insurance claims every year. Fortunately, homeowners in many states, including Texas, can now receive substantial discounts on their homeowner’s insurance when they choose impact-resistant roofing materials for their new roofs.

In Texas, it’s not unheard of for the damage from a single storm to total in excess of a billion dollars. Feeling the increasing pressure of mounting losses, the insurance industry partnered with the Institute for Business and Home Safety (IHBS) and Underwriter’s Laboratory (UL) to develop a national standard for impact-resistant roofing. Shingles were classified based on their performance in tests with simulated hailstones traveling at 90-mph. Shingles were given a classification of 1 through 4, with Class 4 materials being the most impact resistant.

Impact-resistant roofing is available in a variety of materials including metal, rubber, plastic, and asphalt composition. Modified asphalt shingles are similar to regular asphalt shingles, but are stronger and more flexible. This flexibility means they are more wind resistant and less likely to crack and break when struck with debris or hail. Impact-resistant roofs cost a little more initially, but with an annual discount on homeowners insurance for the life of the roof, they are worth the investment. Discount percentages vary depending on the shingle’s class, the location of the home and the insurance carrier. Be sure and consult your agent for particulars on your discount eligibility.

Rebuild Texas Roofing and Construction installs impact-resistant roofs all across North Texas using high quality materials made by CertainTeed, DaVinci, Decra, and other manufacturers. For more information and a free, no-obligation estimate, contact us today at (855) 792-7975.

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