Guys, we're on the cusp of reroofing our home and had questions regarding the roof material. We have elected to use the GAF class 4 tiles/shingles for the reroof but had a few questions for those that have used them. Did you see any discount from your insurance company because you chose this material over the basic? It's supposed to be a higher impact resistance; hence, some insurance companies will give a discount on the homeowner insurance. Did you see a discount and who was your insurance carrier?

We use State Farm but had to get lawyers involved to get them to pay out on our roof. While it's not going to cover the cost of my roof fully, it will chip in about $13,000 after I meet my deduct. The incremental cost to using these shingles over the basic ones is about $2,400. We will be selling the home sometime in the next three or four years, so we struggled a tad on whether to use the upgraded shingles or just go with the basic. My thinking is I doubt I'll get any money back for them when we sell, but we will be better protected until we sell, so hopefully I never have to go through the headache of dealing with homeowner insurance as it pertains to a roof again.

You likely won't get a discount until class 4.

ETA: Just checked State Farm's website.

Discounts

Quote:

---

If you use certain impact resistant roofing products, like hail resistant shingles or class 4 shingles, you may be eligible for a discount on your home insurance premiums.4 Please check with your State Farm agent before installing a new roof.

---

I misremembered what it is we're putting in, but I revised my OP. It is a Class 4 roof.

I think your decision to go with class 4 is the right one.

You may not get the value back when you sell the house but it will increase your chances of being able to sell at all without giving concessions for a new roof when the buyer objects to you having installed one ply toilet paper on your roof instead of 2 ply

Thank you for your help.

Within the last year or 2, GAF Timberline HDZ shingles were classified as class 3 rating and TWIA allows a discount if you sign a cosmetic damage waiver. I think class 3 is 10% discount and class 4 is 14%.

I went with class 4 in April. Did not see a meaningful discount. It may be the right product, just expect any kind of payback in the next decade.