Quote:
Originally Posted by C. C. Rider
But there is no guarantee that the answer that you get from your insurance company today will still be their policy a year or two down the road. What's permissible today may be prohibited in a couple of years.
So, if you spend several thousand extra dollars thinking that it will give you a longer life on your roof shingles, a change in requirements by your insurance company a year or two later can mean that the extra money you spent is just money that's down the drain.
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The insurance agent's immediate answer will give you insight. If they have different rates for types of shingles, this will not change in the future. Cheaper shingles will always carry a higher rate. It is an at risk assessment. Homes that have a higher risk potential always pay higher rates.
Manufacturers of building materials supply an estimated life expectancy.They supply a warranty for defect.
Insurance companies compile data from claims paid. They use this data to assess at risk. If many claims were made by homeowners with cheaper shingles, future policy holders will pay more if their homes have these types of shingles. Once this assessment is made, it will not change.
BTW: a roofer charges labor when placing a new roof. This cost will not change no matter if you choose to use cheaper shingles. Your savings will only be the difference in cost of the shingles. A roofer will place whatever shingles the homeowner decides as long as they meet building code. There is no reason to force any owner to purchase expensive singles.
Don't forget about ARC approval. They may not allow the choice to use a different type of shingle.