How about an affordable investment in your home that pays you back in return?
There's a fairly new product -- impact-resistant roofing -- that can do just that.
It's available in shingles that look like ordinary asphalt shingles (either three-tab or architectural shingles), as well as other types of materials such as metal and alternative products.
Regardless of the material you choose, each type of impact-resistant product tends to stand up much better to hail than do ordinary shingles; and many impact-resistant products are rated for higher wind resistance as well. Here's how this new type of roofing can save you money:
* Many insurers (including State Farm) offer an annual discount on Homeowners premiums for qualifying roofs. Very important: You'll want to check with your insurer or agent before you buy a roof to be sure the shingles you have in mind qualify for the discount with your insurance carrier, and
* If your roof is not damaged from a wind or hail storm, you will avoid having a claim and paying a deductible. With most insurance companies writing higher deductibles these days, your savings could be substantial. And it's our experience that qualifying impact-resistant roofs typically fare very well in storms that cause considerable damage to ordinary roofs.
Perhaps even more important is the protection you're adding for your home and contents if the roof you invest in does a better job of keeping the elements out. The roof you choose is your home's first line of defense in a storm.
Everything inside -- including items like pictures and heirlooms that would be difficult or impossible to replace -- is at risk if your roof fails.