People who aren’t sure they want to spend the extra money for metal roofing may be interested in learning that some insurers provide discounts in the policy for metal roofing. The material holds up significantly better than shingles during straight-line winds and other serious wind events, which are relatively common in Kansas State. People considering having a metal roof installed may want to contact some agencies that provide homeowners insurance in Wichita KS and find out about pricing in policies for houses with metal roofs and for those with other roofing material.
A policy for Homeowners Insurance in Wichita KS may cost more if the house has wood shakes for the roofing, for example. That’s because that material is more vulnerable to fire than asphalt shingles or metal panels are. Some individuals wonder whether metal roofs are more vulnerable to lightning strikes since they know lightning rods are made of metal. However, when a metal lightning rod has been installed, the design is intended to have the rod higher than any other object in the immediate area. Lightning seeks out the highest object, and that doesn’t have to be metal. This is why trees are often struck. A metal roof is no more vulnerable to lightning than other materials. In addition, on the rare chance that metal roofing is hit during a thunderstorm, it won’t catch on fire. Although large hail can dent metal roofing, it also damages other types of material.
In the view of a company that provides home insurance, the roof may be the single most important factor. The roof protects the entire structure from weather events. It’s the most common feature of a house factoring into insurance claims. This is important to consider not only for the possibility of paying lower insurance premiums with a metal roof but understanding how durable this type of roofing is. Whereas another house may lose a large number of shingles when a tornado touches down a mile or two away, the metal roof will stay entirely intact. More information on insurance rates is available from an independent company such as the Andy Woodward Insurance Agency.
