Wind and hail are some of the most common reasons Tennessee homeowners file claims, and they’re a big part of why premiums and deductibles have gone up. If you’re replacing your roof in Knoxville or anywhere in East Tennessee, a few upgrades can help your home hold up better and may help on price.
Impact-resistant shingles
Shingles rated Class 4 under the UL 2218 standard are tested to resist damage from hailstones. Some carriers offer a discount for Class 4 roofs, and they may be less likely to need replacing after a hailstorm. Keep the product information and your roofer’s invoice, since your carrier will want proof.
FORTIFIED roofs
The Insurance Institute for Business & Home Safety (IBHS) FORTIFIED Roof standard adds sealed roof decks, stronger nailing, and better edge details to resist wind and water. FORTIFIED construction is common along the Gulf Coast, and a growing number of carriers recognize it elsewhere. If you’re re-roofing, ask your roofer whether they’re certified to build to the standard.
Other upgrades that help
- Trimming trees that hang over the roof, a common source of claims on Knoxville’s wooded lots.
- Updated electrical, plumbing, and HVAC, which matter to underwriters as much as the roof.
- Water shut-off devices and leak sensors, which some carriers credit.
- Monitored security and smoke alarms, a long-standing discount with many carriers.
Check your wind and hail deductible
Many Tennessee policies now carry a separate wind and hail deductible, often 1% to 2% of your dwelling coverage. On a $350,000 home, a 2% deductible is $7,000. A stronger roof doesn’t change that number, but it can make it less likely you’ll need to pay it.
The bottom line
Discounts vary a lot from one carrier to the next. The upgrade only helps your premium if your carrier knows about it, so send us the paperwork and we’ll make sure it’s on your policy, or find a carrier that gives you credit for it.
Replacing your roof or not sure what credits you’re getting? Send us your declarations page and we’ll take a look.
This article is for general educational purposes only. Coverage, eligibility, discounts and pricing vary by carrier and policy. Talk with a licensed Tennessee insurance agent about your specific situation.
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