Does a New Roof Really Lower My Insurance Premiums?

Hey Metro Detroit, Bill Burkhardt, Jr. here.

As a roofer, I’m used to answering questions about leaks, shingle colors, and the “Kanga Roof” name. But lately, we’ve had a lot of clients ask a smarter question: “Does a new roof really lower my insurance premiums?”

It’s a great question. You’re making a significant investment in your home, and you want to know if that effort pays dividends beyond just keeping the rain out.

The short answer? In most cases, yes.

Many insurance providers recognize that an older, damaged, or neglected roof is a liability. By replacing it, you’re lessening the likelihood that your insurance company will have to incur the high cost of interior damage repairs or a full roof replacement later down the line. To encourage this, many carriers pass those potential savings on to you in the form of a discount on your premiums.

Why Roof Upgrades Matter to Insurers.

When insurance carriers look at your roof, they aren’t just looking at the age of the shingles. They are looking at resilience.

• Impact Resistance: This is the big one. Insurance companies often look favorably on Class 4 SBS (Styrene-Butadiene-Styrene) impact-resistant shingles. These are engineered to withstand higher-velocity hail and debris, which are common issues during our unpredictable Michigan storms.
• Reduced Risk: According to the Insurance Information Institute (III), home improvements that make a property more resistant to damage—like a new, high-quality roof—are often eligible for premium discounts because they statistically reduce the likelihood of costly claims.
• Consistency Matters: Even if you aren’t installing top-tier impact-resistant shingles, a standard, properly installed shingle roof that replaces an aging, failing system often triggers a premium reduction.

How to Get Your Discount?

Here is the “Kanga Roof” advice: Don’t just wait for it to happen.

Every insurance carrier is different, and every policy has its own specific fine print regarding home improvements. The reduction in your premium—if any—will depend entirely on your specific carrier and policy structure.

Once your project is completed, call your insurance agent. Ask them directly: “I’ve completed a full roof replacement with Four Seasons Kanga Roof. Are there any discounts available for this upgrade on my policy?” You’ll want to have your documentation ready, including photos of the finished project and any manufacturer specifications on the shingles we used.

The Four Seasons Kanga Roof Difference

At Four Seasons Kanga Roof, we don’t just put shingles on houses; we provide documentation that helps you manage your home as an asset. When we finish a job, we ensure you have the records you need to show your insurance company exactly what was done and the quality of the materials used.

Our commitment to doing things right—thoroughly and professionally—is why our neighbors across Macomb, Oakland, and Wayne Counties trust us with their biggest investments.

But don’t just take my word for it. Here is what some of your neighbors have said about our work:

• “Anthony and Aaron did a fantastic job replacing siding that was damaged, would have them come back out again if needed.” – Terry Bingha

Ready to see how a new roof can protect your home and potentially save you money? We’re ready to “Hop To It.” You can give our local Metro Detroit team a call at 586-566-0308 or book your inspection online at kanga-roof.com/schedule-inspection-now/. As always, I hope you have a Kanga-Rific day!

Sincerely,

Bill Burkhardt, Jr.

VP & Owner, Four Seasons Kanga Roof