--- title: How to prevent insurance rate spikes due to hail damage description: Homeowners with a stone coated steel roof don’t have to deal with hail damage claims, skyrocketing premiums or expensive repairs. Click to learn why! image: https://blog.rossroofgroup.com/hubfs/hail%202.jpg --- [![tilcor](https://blog.rossroofgroup.com/hs-fs/hubfs/Tilcor_July_2016/images/logo.jpg?width=300&height=75&name=logo.jpg "tilcor")](https://www.tilcor.com/us) - [WHERE TO BUY](https://www.tilcor.com/us/contact-us/) - [FAQ](https://www.tilcor.com/us/frequently-asked-questions/) - [FREE QUOTE](https://www.tilcor.com/us/get-a-quote/) [![Ross Roof Group](https://blog.rossroofgroup.com/hubfs/RossRoofingGroup_Jul2016/Images/RRG-Logo-small.jpg "Ross Roof Group")](https://rossroofgroup.com/looking-for-roofing-products) - [Home](https://www.tilcor.com/us/) - [About Us](https://www.tilcor.com/us/about-us/) - [Our Values](https://www.tilcor.com/us/about-us/our-values/) - [Our History](https://www.tilcor.com/us/about-us/our-history/) - [R & D](https://www.tilcor.com/us/about-us/research-and-development/) - [Health & Safety](https://www.tilcor.com/us/about-us/health-and-safety/) - [Products](https://www.tilcor.com/us/our-products/) - [Homeowners](https://www.tilcor.com/us/why-tilcor/homeowners/) - [Professionals](https://www.tilcor.com/us/why-tilcor/professionals/) - [Resources](https://www.tilcor.com/us/resource-center/) - [Sustainability](https://www.tilcor.com/us/about-us/sustainability/) - [Blog](https://blog.rossroofgroup.com/tilcorusa) - [Contact](https://www.tilcor.com/us/contact-us/) - [Metrotile](https://blog.rossroofgroup.com/metrotile) - [Tilcor](https://blog.rossroofgroup.com/tilcor) # Tilcor Blog # How to prevent insurance rate spikes due to hail damage Jul 09, 2019 at 03: 30 PM [tilcor stone-coated steel](https://blog.rossroofgroup.com/tilcorusa/topic/tilcor-stone-coated-steel) ![hail 2](https://blog.rossroofgroup.com/hs-fs/hubfs/hail%202.jpg?width=1000&name=hail%202.jpg)Severe weather causes billions of dollars in damage to homes each year.  States like Texas and Colorado get hit so often homeowners now face higher insurance rates and repair costs, especially when it comes to roofing.  Traditional roof materials are designed to last between 15-25 years. But in hail prone states, roofs are having to be replaced as often as every 5 years! New roofs are ***expensive***. Even if your homeowner’s insurance covers the cost of storm damage, high deductibles can quickly eat into your savings account. Insurance companies are feeling the cost of hailstorms too. In parts of [Colorado](https://www.fcgov.com/building/pdf/roofcovering-req-2015code.pdf) and [Texas](https://dfw.cbslocal.com/2019/06/18/storms-texans-insured/) homeowners are getting told to switch to a hail resistant shingle or get dropped from coverage.  ***Scary, right?! *** But there’s good news for homeowners. **You don't have to settle with repeat claims, skyrocketing insurance premiums, or expensive repairs.**  Switching to a [stone coated steel roof](https://www.tilcorroofingusa.com/residential/why-metal-tile-roof) is the easiest way to prevent all of those scenarios. What’s even better, a stone coated steel roof from Tilcor Roofing can ***actually save you money.*** Learn how by reading the benefits below - #3 may surprise you! #### **Top 5 Benefits Of A Stone Coated Steel Roof For Homeowners** A Tilcor stone coated steel roof is right for you if you are concerned about: #### **1. Durability** Tilcor's stone coated steel panels are made to endure extreme conditions, including large hail, wind, and fire. And by endure, we don’t just mean they can withstand damage but look terrible after a significant storm. Tilcor Roofs are made to last and can withstand: - Fire  - Earthquakes - [Winds up to 120mph](https://www.tilcorroofingusa.com/products/document-library) - Large hail  With our [lifetime warranty](https://www.tilcorroofingusa.com/residential/warranty), a Tilcor Roof may be the last roof you ever have to get installed. #### **2. Lower Costs** Our [stone coated steel roofs ](https://www.tilcorroofingusa.com/residential/why-metal-tile-roof)are easy and quick to install. Our interlocking and modular roofing system is much easier to handle than other roofing materials such as long-run steel roofing and concrete tiles.  ***Did you know stone coated steel roofs can qualify you for insurance discounts? Call your agent and ask how much you can save.*** #### **3. Energy Savings** Metal is known to be one of the most energy efficient roofing materials available and can save your home up to 40% in energy costs.  #### **4. Sustainability** Tilcor’s metal tiles are 100% recyclable. A metal roof also requires less wood and less fuel for transportation. Stone coated steel roofs are on of the most environmentally friendly roofing product on the market right now.  #### **5. Lifetime Value** Stone coated steel roofs have a longer lifespan than traditional materials. Standard asphalt shingles usually only last around 15-25 years (if there is no hail in the region!). With a stone coated steel roof form Tilcor, you can expect to get 50 years out of your roof, if not more!   **Tilcor Roofs Can Stop The Insanity ** Severe weather causes billions of dollars in damages to homes each year. Some states like Texas and Colorado get hit so often homeowners face higher insurance costs and repair costs.  Do you know the definition of insanity? It’s doing the same thing repeatedly but expecting different results. If you’re a homeowner in Texas or Colorado, you probably can relate. It hails, your roof gets damaged, you get a new one, your rates go up and it happens again 5 years later.  Switching to a Tilcor roof can help stop the insanity. 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