Neglecting to replace your decades-old roof could force you to rely on expensive insurance groups that only handle high-risk clients. Not all groups are open to dealing with homes that have weak roofs, but if you have a new roof made of impact-resistant materials, you just might be able to get yourself a discount. The figure varies, although people who live in areas susceptible to strong winds, snowfall, and hail can get a discount as high as 20%. Ask any number of Moorhead, MN roofing companies about typical roofing materials and they'll probably start with asphalt shingles; their affordable price, light weight, and fire-resistance are all favorable qualities. The downside is that the high winds that come in winter could tear them off easily. Clay tiles, by contrast, can last a lifetime if installed correctly yet their replacement cost could mean higher premiums.
http://www.abimprovements.com/roofing-companies-moorhead-mn-premium/
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