New Roof? Your Home Insurance Might Be Too High.
If your roof was replaced in the last 12 years, you may qualify for better pricing or better roof coverage terms. We’ll quickly check options across multiple insurers — no pressure.
Carriers price roofs heavily. A newer roof can reduce claim risk — and that can mean discounts, better roof settlement terms, or both.
Roof Discount FAQ
Here are the most common questions we get about roof age, discounts, and roof coverage terms. (Every carrier is different — we verify based on underwriting guidelines.)
What roof age typically qualifies for a discount?
Many carriers give the best pricing when a roof is newer (often within the last 10 years), but discount availability depends on the carrier, roof type, and sometimes the home’s overall risk profile.
Do I need proof that the roof was replaced?
Often yes. A paid invoice, permit record, roof certification, or contractor documentation can help. If you’re not sure what you have, submit the form and we’ll tell you what’s usually accepted.
Does a newer roof affect roof claim payments (RC vs ACV)?
It can. Some companies restrict roof settlement terms based on age. A newer roof may help you qualify for better terms, but it varies by carrier and policy form.
What roof types get the best treatment?
Architectural shingles, metal, and tile can rate differently depending on carrier. Material, installation quality, and roof design can all impact eligibility and pricing.
What if my roof is older than 10 years?
You may still have options — it just depends on condition, type, and carrier appetite. In some cases we focus more on coverage fit (deductibles, exclusions, roof terms) than “discounts.”