Do Metal Roofs Lower Home Insurance?
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Quick answer
Often, yes. Because impact- and fire-resistant roofs generate fewer claims, many insurers offer a premium discount for them — commonly in the 5% to 35% range depending on your carrier and state. Interlock's roofing is tested to UL 2218 Class 4, the top hail-impact class, which is exactly what carriers look for.
Why insurers reward metal roofs
Insurance pricing follows risk, and metal roofs lower two of the biggest roof-related risks: hail damage and fire. An impact-resistant roof generates fewer hail claims, and a non-combustible metal roof reduces fire exposure — both wildfire ember-fall and interior fires reaching the roof. Fewer expected claims means many carriers are willing to share the savings through a premium discount, particularly in hail- and wildfire-prone regions.
How big is the discount?
It varies widely by carrier and state, but impact-resistant-roof discounts are commonly reported in the range of 5% to 35%. Several hail-belt states formally recognize the rating — the Texas Department of Insurance, for example, maintains a program of premium credits for UL 2218 Class 4 roofing. Because the specifics differ by company, the only way to know your savings is to ask your own insurer.
How to claim it
Ask your insurer directly about its "impact-resistant roof" or "Class 4 roof" discount, and be ready to document it. Interlock's roofing is Listed to UL 2218 Class 4 by Intertek, and Interlock can supply the certification paperwork your carrier needs. Provide that certificate with your policy or at renewal — the discount typically will not be applied unless you request it and prove the rating.
Frequently Asked Questions
Does a metal roof lower home insurance?
Often, yes. Many insurers offer a premium discount for impact-resistant and non-combustible roofs — commonly 5% to 35% depending on carrier and state. Interlock's UL 2218 Class 4 rating is exactly what qualifies a roof for these credits.
How much can I save on insurance with a metal roof?
Reported impact-resistant-roof discounts range from about 5% to 35%, varying by carrier and state. Some states, like Texas, formally recognize UL 2218 Class 4 for roofing credits. Ask your insurer for its specific discount.
What is a Class 4 roof insurance discount?
It is a premium credit some insurers give for roofs tested to UL 2218 Class 4 — the highest impact-resistance class. Because Class 4 roofs resist hail damage, they generate fewer claims, and carriers pass part of that savings to you.
Do all insurers offer a metal-roof discount?
No — it varies by company and state, and it is never automatic. You must ask your carrier about its impact-resistant-roof discount and provide the UL 2218 Class 4 certification, which Interlock can supply.
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Sources
- Texas Department of Insurance — Impact-resistant roofing discounts — State credit program
- Interlock — Testing Reports (UL 2218 Class 4) — Certification documentation
Explore Interlock Metal Roofing
Last reviewed 2026-07-11 · Reviewed by Scott Plumptree, Director of Marketing, The Interlock Group · Reviewer profile