Hi everybody! This is Tracy Bookman owner of Homestead Roofing and welcome to
today's Wednesday walk in the park where we take three minutes to answer your
questions about roof repairs, roof replacements, and the insurance claim
process. Today we're going to answer your question: should I pay for an upgrade to
impact resistant shingles?
To answer that question I would ask you a question. What are your goals that
would kind of prompt you to think about doing that? There are really two benefits
that you get by putting an impact resistant shingles on your house.
Well three okay? Obviously first benefit that you're going to get is hopefully no future damage from a hail storm.
But then there are a couple of secondary benefits to you. One is depending on who your insurance
company is you could get a pretty substantial discount on your insurance
rates if you have an impact resistant shingles on your house. Some insurance companies give as high as a
28% discount to homeowners who have an IR shingle. A
class four IR shingle on their house. So if your with one of those insurance
companies that could really work out well for you if you put a class four IR
shingle on your house. But then another benefit that people don't often times
think about because they're usually really focused on their savings on their
insurance money is that if there's another hailstorm and you don't get any
damage you just saved yourself having to pay another deductible payment for a
re-roof job that could work out to be a pretty substantial amount for you
because insurance companies are changing deductible amounts and so a lot of
people have deductibles that are much higher than what used to be standard
even just a couple of years ago. If your whole goal is to get that discount on
your insurance premiums then you're gonna need to call your insurance
company first and ask them do they give a discount and how much is the discount
that they give. Some insurance companies give a discount but it's so small it's
not even really worth the cost to upgrade to the IR shingle so be sure to
do your homework on that first. There is a little word of warning that I would
give people though about going with roofers who are offering to give you
free upgrades to an impact resistant shingle. The first warning is what
product are they giving you this free upgrade to? There are some impact
resistant shingles out there that are just they're not even they're not
worth it and so if your goal is to prevent future claims for hail damage
these products may not actually serve that purpose so you may end up having
claims in the future again anyway. If your goal is just to get the premium
discounts from your insurance company and you don't care about whether or not
you prevent any future claims then it really doesn't matter what you put up
there as long as it's a class-4 shingle you're going to get that discount. But if
you're trying to avoid future claims really do your homework
on the types of roofing materials that there are out there. The second word of
warning is if you're getting this free upgrade to an impact resistant shingles
make sure you're actually getting an impact resistant shingle
I don't know how many times we've talked to homeowners who said yeah the last guy gave me a or the
last guy put an impact resistant shingle on there maybe they paid for an upgrade or
maybe they got the free upgrade and then when we do the inspection we find out
there is no impact resistant shingles on the roof. So they got scammed. So remember
if somebody's offering you a free upgrade to an impact resistant shingles
If it sounds too good to be true, it probably is. I hope that answers your questions about
whether or not you should consider an upgrade to an impact resistant shingle.
Although, If you've got other questions you can give us a call right up here at
our office 719.433.6991 you can also
visit our website right down here HomesteadRoofingColorado.com. We've got
a ton of videos out there lots of information lots of education for
homeowners and tips and stuff like that. If this video has been helpful for you
please consider sharing it with your friends, family, and neighbors, co-workers
your veterinarian, your dentist, whoever. But leave a comment down below we'd love
to know what you think of this video and if you want to see other videos. Let us
know in the comments section. Please subscribe to our channel and click the
little bell icon up there at the top so that you get notified when we have new
videos and until our next Wednesday walk in the park, I'm Tracey Bookman owner of
Homestead Roofing.