03/05/2026
🏠 How a New Roof Can Save You Money (Not Just Protect Your Home)
Many homeowners don’t realize that replacing an aging roof can lower long-term costs and even reduce insurance premiums — especially in Wisconsin, where wind and hail damage are common.
Here’s how a new roof can work for your wallet 👇
💥 Impact-Resistant Shingles = Insurance Savings
Impact-resistant Class 4 shingles are specifically designed to withstand hail and high winds. Because they reduce the likelihood of damage and insurance claims, many carriers offer premium discounts — sometimes up to 35% or more.
Class 4 shingles meet strict impact tests (including 2-inch steel ball drop tests), making them the highest-rated option for hail resistance.
💡 Always check with your insurance provider — discounts vary by carrier, location, and overall home risk.
🧱 Shingle Types That May Qualify for Discounts
✔ Class 4 Impact-Resistant Shingles
Highest rating for hail resistance and typically offer the largest insurance discounts (10–35%+)
✔ Class 3 Shingles
Still impact-resistant, designed for smaller hail; may qualify for smaller discounts
✔ Fire-Resistant Shingles
Can offer additional savings by lowering fire risk, especially with high fire ratings
✔ Architectural / Dimensional Shingles
Thicker and more durable than basic 3-tab shingles, offering better wind resistance and potential savings
📉 How to Maximize Your Roofing Savings
1️⃣ Consult Your Insurer First
Ask about specific discounts for Class 3, Class 4, and fire-resistant materials in your area.
2️⃣ Choose Qualifying Materials
Look for shingles that meet UL 2218 standards (Class 3 or 4) or have high fire ratings.
3️⃣ Hire Certified Installers
Proper installation is critical — both for performance and for validating insurance discounts.
4️⃣ Document Everything
Keep records of your new roof and notify your insurer immediately after installation.
✅ The Bottom Line
A new roof isn’t just an expense — it can be a long-term investment that:
• Reduces repair costs
• Lowers insurance premiums
• Improves storm protection
• Increases home value and peace of mind
SRS Builders LLC
📍 Serving Madison WI, Dane County, & South-Central Wisconsin
📞 Call or Text: 608-301-5015
🌐 srsmadison.com
Plan Smart. Build Strong.
