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| Luxury Product ... Luxury Premium |
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| Builders and homeowners frequently ask about insurance issues regarding cedar shake and shingle roof systems. Because an upscale cedar roof tends to be more expensive than a roof made of non-natural material, insurance premiums reflect cedar's luxury product classification. Some home insurance companies have gone so far as to encourage homeowners to select alternative, less expensive products. We feel that this restricts homeowner's freedom of choice, results in lower home values, and in certain areas, violates previously implemented restrictive' neighborhood covenants, legal contracts that homeowners have signed in good faith. In addition, some alternative products may require substantial decking changes or substrate reinforcement. Wise homeowners ask questions and are aware of all the aspects regarding their proposed re-roofing job. |
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| Advice for Homeowners |
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| Homeowners are advised to shop around for insurance quotes and pick one that is best suited for their long term needs. Keep in mind that one should be comfortable with the insurance agent handling the contract. Homeowners should ask for the appropriate impact resistance discount on their Certi-label cedar roofing products because the meet the same UL-2218 standards as other roofing product types. Homeowners needing assistance with understanding testing standards for specific product types should contact us directly. |
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| Wise homeowners should ask their insurance agent the following questions: |
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- Does the insurance company offer a discount for impact resistant rated products?
- Is the insurance company aware that wood roofing products are available with Class 3 or Class 4 ratings?
- Is there a premium surcharge for wood roofing?
- Will the impact resistant discount counterbalance any surcharge for wood roofing?
- Is the insurance company aware that Class A is Class A is Class A? The national fire resistance level tests are the same, regardless of product type.
- Homeowners are encouraged to give more of their other business (second home, boat, car, jewelry etc) to a firm that will offer them decent and fair wood roofing insurance coverage ... after all, one stop shopping makes sense and can often save money!
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Insurance
