Do Insurance Companies Cover Metal Roofs?
Time to replace your roof in Charleston? Metal roofs are renowned for their durability and longevity, but insurance coverage can vary depending on the carrier and your specific situation. Whether you have a coastal South Carolina home, a historic property, or a modern build, let’s break down everything you need to know about metal roofs and insurance coverage.
Are Metal Roofs Covered by Home Insurance?
In many cases, homeowner insurance policies cover metal roofs under the dwelling protection portion of the policy. A metal roof is generally insured against risks like fire, hail, wind damage, and other perils outlined in the policy. Coverage specifics differ depending on the insurance company and your policy’s terms. Review the documents from your insurance provider to see what is covered.
Factors That Affect Coverage
Several elements can influence whether your metal roof is fully or partially covered by your insurance policy. Providers consider the following when assessing coverage:
Material and Installation Quality
Many insurers provide coverage for roofs made from metal because they hold up well against severe weather, which can be especially important in an area like coastal South Carolina. Additionally, proper installation is important. Insurance companies may require certification that your roof was professionally installed. Martinelli Roofing is certified, insured, and offers expert metal roof installation, making your roof eligible for coverage with most major insurance companies. Get started right away with a free, instant roofing estimate.
Roof Age
Some policies prorate payouts based on the age of your roof. If your metal roof is nearing the end of its expected lifespan (typically between 40 and 80 years depending on the material¹), this could impact your coverage.
Coastal Considerations
In areas like Charleston, where hurricanes and salty air are common, some insurers may impose policy restrictions or higher premiums. A metal roof may be equipped to withstand a storm, but insurers would also consider factors like whether the material is resistant to rust or corrosion.
Do All Insurance Companies Cover Metal Roofs?
Not all insurers handle metal roofs the same way. Some companies may provide coverage for metal roofs if they meet installation and material standards, while other companies may not cover metal roofs in high-risk areas at all.
For coastal South Carolina homes, some insurance companies may no longer offer coverage due to the high risk of severe weather. In these cases, ask friends or neighbors for local provider recommendations to help you find the coverage you need.
What Types of Damage Are Covered By Insurance?
Insurance generally covers sudden and accidental damage to your roof including:
Storm Damage
Metal roofs are highly resistant to wind and hail, making them a strong choice for storm-prone areas. Insurance typically covers damage from severe storms, including high winds and flying debris.
Fire Damage
Metal roofs are considered fire-resistant, offering added protection in case of house fires or wildfires. Insurance coverage may include damage from these types of fires, depending on your policy.
Falling Objects
Falling trees or other debris can cause serious roof damage. Insurance generally covers issues caused by falling objects, especially if the impact leads to structural harm.
Exclusions and Limitations
Not all roof damage is covered under home insurance. For example, most cosmetic damage, like minor dents from hail that don’t impact functionality, might be excluded under certain policies.
Charleston-Specific Considerations for Metal Roof Insurance
Living in coastal South Carolina has its perks, but also comes with a few unique considerations when it comes to roof coverage for home insurance. Let’s look at a few main points to consider before selecting a policy or installing a new roof.
Hurricane Coverage
Windstorm deductibles are often higher in coastal areas. Check your policy’s terms for hurricane damage.
Salt Air Impact
Over time, salt exposure can cause corrosion. Insurers might require specific coatings or treatments for metal roofs in coastal zones.
Policy Availability
With some national insurers pulling out of the South Carolina coast, finding coverage might require exploring regional carriers or surplus line insurers.
How to Verify If Your Metal Roof Is Covered by Insurance
To make sure your metal roof is covered, here are a few steps you can follow.
1. Contact Your Insurance Agent
Before installing a metal roof, consult your insurance agent. They can review your current policy and explain any additional coverage you may need.
2. Get Documentation
After installation, secure detailed receipts and certifications from your roofing contractor. These documents prove your roof meets local building codes and insurer requirements.
3. Consider Roof Endorsements
Some insurers offer optional endorsements for enhanced roof protection, such as full replacement value instead of depreciated payouts — this could mean lower out-of-pocket expenses if and when you file a claim.
4. Conduct Regular Inspections
Regular roof inspections by a professional can help identify potential issues early, which could prevent a claim being denied down the road. Plus, here are 6 signs it’s time for a roof inspection.
A Metal Roof Is A Smart Investment
Metal roofs are a smart choice for Charleston homeowners, providing durability and reliable protection for your home. Their weather resistance and long lifespan make them a worthwhile investment, helping to offset higher initial costs or premium adjustments.
Insurance coverage for metal roofs depends on your policy, carrier, and location, with factors like coastal risk and roof certifications influencing coverage. To ensure you're fully protected, consult your agent, do your research, and choose a professional roofing company like Martinelli Roofing.
Ready to Upgrade to a Metal Roof?
At Martinelli Roofing, we specialize in installing durable, weather-resistant metal roofs tailored to Charleston’s unique climate. Schedule an appointment for a free roof inspection today and let us help you protect your home for decades to come!
Sources
Statefarm, ‘Pros and cons of metal roofs for your home.’
