Does a New Roof Lower Your Homeowners Insurance? (Illinois Guide)

Short answer: yes, in many cases. Here's how a new roof can reduce your homeowners insurance premium in Illinois, and which upgrades make the biggest difference.

Impact-Rated Shingles: The Biggest Insurance Discount

The single most impactful upgrade for insurance savings is installing Class 4 impact-rated shingles. Class 4 is the highest impact resistance rating, meaning the shingles are tested to withstand a 2-inch steel ball dropped from 20 feet. Many Illinois insurance carriers offer wind/hail premium discounts of 10-28% for roofs with Class 4 rated shingles.

Shingles with Class 4 options include Malarkey Vista AR (Class 4 standard), GAF Timberline HDZ IR, Owens Corning Duration STORM, and CertainTeed impact-resistant options. See our complete shingle comparison →

Age-Related Premium Reductions

Insurance carriers charge more for older roofs because they're more likely to fail during storms. A brand new roof resets that clock. Many carriers reduce premiums immediately when you provide proof of a new roof installation, with the biggest reductions for roofs under 5 years old.

What to Do

1. Call your insurance carrier BEFORE getting a new roof and ask what discounts they offer for Class 4 impact-rated shingles and new roof installations
2. Get the discount amount in writing so you can factor it into your roofing decision
3. After installation, send your carrier a copy of the paid invoice and the shingle manufacturer's impact rating certification
4. Verify the discount is applied to your next renewal

We help homeowners navigate this process during every roofing consultation. Schedule your free roof inspection →