Your homeowner’s insurance premiums depend on many factors, including the material of your roof. As a general rule, the less likely it is that your roof sustains any damage, the lower the premium you will need to pay with your homeowner’s insurance, so here are some materials that are considered by insurers to be safe and get the lowest premiums:

-          Metal roofs – the panels and shingles used for building roofs are made from special, durable alloys that also provide superior resistance to the elements, including water, winds, fire and pests. The superior protection offered by metal roofs makes the option a safe one on the eyes of insurers, therefore the solution comes with the lowest insurance premiums;

-          Clay and cement tiles – these two materials are very similar in terms of their physical properties. They are both durable solutions, offering a longevity of up to 100 years, they are both resistant to fire, insects, impact as well as excessive moisture – qualities that are very attractive for insurers and convince them to offer low insurance premiums;

-          Slate roofs – the natural stone used for making roofs is also a very durable solution, lasting for over 100 years and being resistant to whatever weather comes along. The buildings that have slate roofs also enjoy lower insurance premiums. All of the above roofing products can be supplied by Highlands Ranch roofing businesses.