{"id":43,"date":"2012-01-27T05:00:00","date_gmt":"2012-01-27T05:00:00","guid":{"rendered":"http:\/\/www.collinginsurance.com\/blog\/?p=43"},"modified":"2014-07-16T14:15:48","modified_gmt":"2014-07-16T14:15:48","slug":"the-differences-between-roofing-material-and-how-it-relates-to-insurance","status":"publish","type":"post","link":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/","title":{"rendered":"The Differences Between Roofing Material and How It Relates to Insurance"},"content":{"rendered":"<p> \t<!--[if gte mso 9]><xml> Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 <\/xml><![endif]--><!--[if gte mso 9]><xml> <\/xml><![endif]--><!--[if gte mso 10]> \n\n<style> \/* Style Definitions *\/ table.MsoNormalTable \t{mso-style-name:\"Table Normal\"; \tmso-tstyle-rowband-size:0; \tmso-tstyle-colband-size:0; \tmso-style-noshow:yes; \tmso-style-priority:99; \tmso-style-qformat:yes; \tmso-style-parent:\"\"; \tmso-padding-alt:0in 5.4pt 0in 5.4pt; \tmso-para-margin:0in; \tmso-para-margin-bottom:.0001pt; \tmso-pagination:widow-orphan; \tfont-size:11.0pt; \tfont-family:\"Calibri\",\"sans-serif\"; \tmso-ascii-font-family:Calibri; \tmso-ascii-theme-font:minor-latin; \tmso-fareast-font-family:\"Times New Roman\"; \tmso-fareast-theme-font:minor-fareast; \tmso-hansi-font-family:Calibri; \tmso-hansi-theme-font:minor-latin;} <\/style>\n\n <![endif]--><\/p>\n<p> \tYou may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace or repair it in the coming years, because some types of roofing materials are much more durable than others.<\/p>\n<p> \t<b>Impact-Resistant Roofing<\/b><\/p>\n<p> \tAn impact-resistant roof is one that is better suited for withstanding impact from falling debris and extreme weather conditions than other types of roofing materials. Metal roofing is the preferred roof of insurers, and installing a metal roof on your own home with likely reduce your insurance premiums significantly. However, metal roofing is also the most expensive roofing material and may not be feasible for your budget &#8211; especially if you do not plan to live in your home for a long period of time. In that case, you may want to opt for a class four asphalt shingle, which is sturdier than other shingles, but not as expensive as metal roofing.<\/p>\n<p> \tUltimately, the type of roofing you choose for your home is up to you. Although there are definite benefits to choosing impact-resistant materials, choosing a traditional composite material will not make your premiums skyrocket &#8211; you just may not qualify for certain discounts.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-43","post","type-post","status-publish","format-standard","hentry","category-home-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"AgentInsure\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Colorado Insurance |\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance\" \/>\n\t\t<meta property=\"og:description\" content=\"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2012-01-27T05:00:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2014-07-16T14:15:48+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance\" \/>\n\t\t<meta name=\"twitter:description\" content=\"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#article\",\"name\":\"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance\",\"headline\":\"The Differences Between Roofing Material and How It Relates to Insurance\",\"author\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"publisher\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#organization\"},\"datePublished\":\"2012-01-27T05:00:00+00:00\",\"dateModified\":\"2014-07-16T14:15:48+00:00\",\"inLanguage\":\"en-US\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#webpage\"},\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#webpage\"},\"articleSection\":\"Home Insurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/home-insurance\\\/#listItem\",\"name\":\"Home Insurance\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/home-insurance\\\/#listItem\",\"position\":2,\"name\":\"Home Insurance\",\"item\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/home-insurance\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#listItem\",\"name\":\"The Differences Between Roofing Material and How It Relates to Insurance\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#listItem\",\"position\":3,\"name\":\"The Differences Between Roofing Material and How It Relates to Insurance\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/category\\\/home-insurance\\\/#listItem\",\"name\":\"Home Insurance\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#organization\",\"name\":\"Colorado Insurance\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/\",\"name\":\"AgentInsure\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#authorImage\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g\",\"width\":96,\"height\":96,\"caption\":\"AgentInsure\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#webpage\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/\",\"name\":\"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance\",\"description\":\"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace\",\"inLanguage\":\"en-US\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#website\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\\\/#breadcrumblist\"},\"author\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"creator\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/author\\\/agentinsure\\\/#author\"},\"datePublished\":\"2012-01-27T05:00:00+00:00\",\"dateModified\":\"2014-07-16T14:15:48+00:00\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/\",\"name\":\"Colorado Insurance\",\"inLanguage\":\"en-US\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.collinginsurance.com\\\/blog\\\/#organization\"}}]}\n\t\t<\/script>\n\t\t<!-- All in One SEO -->\n\n","aioseo_head_json":{"title":"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance","description":"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace","canonical_url":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/","robots":"max-image-preview:large","keywords":"","webmasterTools":{"miscellaneous":""},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#article","name":"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance","headline":"The Differences Between Roofing Material and How It Relates to Insurance","author":{"@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author"},"publisher":{"@id":"https:\/\/www.collinginsurance.com\/blog\/#organization"},"datePublished":"2012-01-27T05:00:00+00:00","dateModified":"2014-07-16T14:15:48+00:00","inLanguage":"en-US","mainEntityOfPage":{"@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#webpage"},"isPartOf":{"@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#webpage"},"articleSection":"Home Insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#breadcrumblist","itemListElement":[{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog#listItem","position":1,"name":"Home","item":"https:\/\/www.collinginsurance.com\/blog","nextItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/category\/home-insurance\/#listItem","name":"Home Insurance"}},{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/category\/home-insurance\/#listItem","position":2,"name":"Home Insurance","item":"https:\/\/www.collinginsurance.com\/blog\/category\/home-insurance\/","nextItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#listItem","name":"The Differences Between Roofing Material and How It Relates to Insurance"},"previousItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog#listItem","name":"Home"}},{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#listItem","position":3,"name":"The Differences Between Roofing Material and How It Relates to Insurance","previousItem":{"@type":"ListItem","@id":"https:\/\/www.collinginsurance.com\/blog\/category\/home-insurance\/#listItem","name":"Home Insurance"}}]},{"@type":"Organization","@id":"https:\/\/www.collinginsurance.com\/blog\/#organization","name":"Colorado Insurance","url":"https:\/\/www.collinginsurance.com\/blog\/"},{"@type":"Person","@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author","url":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/","name":"AgentInsure","image":{"@type":"ImageObject","@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#authorImage","url":"https:\/\/secure.gravatar.com\/avatar\/63993fa10bbcbeb19f0a00b83a2ed70faa51c8f2d478be68260ba2fbe92bf622?s=96&d=mm&r=g","width":96,"height":96,"caption":"AgentInsure"}},{"@type":"WebPage","@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#webpage","url":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/","name":"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance","description":"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace","inLanguage":"en-US","isPartOf":{"@id":"https:\/\/www.collinginsurance.com\/blog\/#website"},"breadcrumb":{"@id":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/#breadcrumblist"},"author":{"@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author"},"creator":{"@id":"https:\/\/www.collinginsurance.com\/blog\/author\/agentinsure\/#author"},"datePublished":"2012-01-27T05:00:00+00:00","dateModified":"2014-07-16T14:15:48+00:00"},{"@type":"WebSite","@id":"https:\/\/www.collinginsurance.com\/blog\/#website","url":"https:\/\/www.collinginsurance.com\/blog\/","name":"Colorado Insurance","inLanguage":"en-US","publisher":{"@id":"https:\/\/www.collinginsurance.com\/blog\/#organization"}}]},"og:locale":"en_US","og:site_name":"Colorado Insurance |","og:type":"article","og:title":"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance","og:description":"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace","og:url":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/","article:published_time":"2012-01-27T05:00:00+00:00","article:modified_time":"2014-07-16T14:15:48+00:00","twitter:card":"summary","twitter:title":"The Differences Between Roofing Material and How It Relates to Insurance | Colorado Insurance","twitter:description":"You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace"},"aioseo_meta_data":{"post_id":"43","title":null,"description":null,"keywords":null,"keyphrases":null,"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"","isEnabled":true},"graphs":[],"defaultGraph":"","defaultPostTypeGraph":""},"schema_type":null,"schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"location":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":null,"created":"2020-12-21 11:19:01","updated":"2025-06-04 11:11:56","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.collinginsurance.com\/blog\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/www.collinginsurance.com\/blog\/category\/home-insurance\/\" title=\"Home Insurance\">Home Insurance<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tThe Differences Between Roofing Material and How It Relates to Insurance\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/www.collinginsurance.com\/blog"},{"label":"Home Insurance","link":"https:\/\/www.collinginsurance.com\/blog\/category\/home-insurance\/"},{"label":"The Differences Between Roofing Material and How It Relates to Insurance","link":"https:\/\/www.collinginsurance.com\/blog\/the-differences-between-roofing-material-and-how-it-relates-to-insurance\/"}],"_links":{"self":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts\/43","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=43"}],"version-history":[{"count":2,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts\/43\/revisions"}],"predecessor-version":[{"id":329,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/posts\/43\/revisions\/329"}],"wp:attachment":[{"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=43"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=43"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.collinginsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=43"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}