If you’ve recently replaced your roof—or are planning to—there’s good news: many insurance companies offer discounts for new roofs. At Eugene C. Yates Insurance Agency, we often help homeowners in Sacramento unlock savings just by letting their insurer know about a roof upgrade.
🏠 Why a New Roof Can Lower Your Insurance Premium
Insurance companies assess risk. A new roof means your home is better protected from storms, leaks, fire, and other common causes of claims. That makes you a lower risk in the eyes of the insurer—and they often reward that with lower premiums.
Here are a few key reasons a new roof might help you save:
- Reduced Risk of Damage: Older roofs are more vulnerable to wind, rain, hail, and structural problems.
- Improved Materials: Today’s roofing options include weather-resistant and energy-efficient materials.
- Fewer Claims: New roofs mean fewer potential claims, which insurers love.
📉 Types of Roof Discounts You Might Qualify For
Depending on your insurance provider and the type of roof you install, you could be eligible for:
- New Roof Discount – Typically available if your roof is less than 10 years old.
- Impact-Resistant Roof Discount – Especially for Class 3 or Class 4 shingles, which can withstand hail and debris.
- Metal Roof Discount – Metal roofs are durable, fire-resistant, and long-lasting.
- Hurricane or Wind-Resistant Discount – In storm-prone areas, certain roof designs (like hip roofs) may qualify.
📋 How to Qualify for a Roof Discount
Getting the discount isn’t automatic—you’ll need to show your insurer the proof. Here’s what usually helps:
- Roof replacement invoice
- Details about materials used
- Certification or inspection (if required)
- Permit documentation (if applicable)
Pro Tip: Contact your insurance agent before the work begins. Some insurers want the job done by licensed contractors using approved materials.
🧑💼 How We Can Help
As an independent insurance agency in Sacramento, we work with dozens of top-rated carriers. That means we can shop around and find the companies that offer the best roof-related discounts—so you don’t leave any money on the table.
Whether you’ve just replaced your roof or are still in the planning phase, give us a call. We’ll review your policy and let you know how much you could save.
📞 Ready to Save?
Contact Eugene C. Yates Insurance Agency today to see if your new roof qualifies for a discount. We’ve been serving Sacramento homeowners since 1946—and we’re here to help you protect what matters, while keeping your costs low.