Premium Rebate for a New Roof — Actual Numbers from 5 AZ Insurers

A new roof drops your homeowners insurance premium because:

• Roof age clock resets to 0
• Insurer's expected-claim probability drops sharply for years 1-15
• Class 4 + impact-resistant installations qualify for separate

discount

But you have to submit the right paperwork to capture the savings.

Carrier-by-carrier (April 2026)

Based on a typical $2,200/year NAZ homeowners' premium ($550K

insured value):

| Carrier | New roof discount | Class 4 add'l | Total | Annual savings |

|---------|-------------------|---------------|-------|----------------|

| State Farm | 12% | 28% (wind/hail line only) | up to 22% | $480 |

| Farmers | 10% | 22% | up to 18% | $396 |

| Allstate | 11% | 25% | up to 20% | $440 |

| Liberty Mutual | 8% | 17% | up to 14% | $308 |

| USAA | 9% | 15% | up to 13% | $286 |

Note: discounts are NOT additive in the simple way. The Class 4

discount applies only to the wind/hail portion of the premium

(~30% of total). The "new roof" discount applies broadly.

What you have to submit

Standard documentation:

1. Permit + inspection record (from your county)
2. Contractor invoice with:

- AZ ROC license number

- Material brand + SKU

- Installation date

- Square footage

- Manufacturer warranty

1. Manufacturer Class 4 cert (if applicable)
2. Photos: before, during, after

Submit to your insurance agent within 30 days of completion.

Common pitfalls

1. Forgetting to submit. Carriers don't auto-apply new-roof

discounts. Many homeowners don't claim it.

1. Roof was technically not "new" — partial repair, not

full replacement. Check your contract — was 75%+ of the surface

replaced?

1. Contractor not properly licensed. Carriers want AZ ROC

license number on file. No license = no discount.

1. Class 4 claim without manufacturer cert. The cert (a single

page on letterhead) is mandatory.

When to switch carriers

A new roof + 22% premium drop is also a great time to comparison

shop. AZ DOI premium-comparison data shows ~$200-$400/yr difference

between cheapest + most expensive carrier on identical coverage in

NAZ markets.

Use the post-roof inspection as fresh ammunition for shopping —

every carrier you quote will be coming in with the new-roof

+ Class 4 discount baked in.

Match with a contractor whose paperwork qualifies you →