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Will a new roof lower my home insurance in California?

Short answerIt can. California's Safer from Wildfires program lists a Class A fire-rated roof as a step that qualifies for an insurance discount, and a newer roof can help with insurers that weigh roof age. The size of any discount depends on your insurer. Ask your insurer, then get a free estimate for the roof.

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Updated · Sources reviewed November 12, 2026 · By Bay Area Roof Replacements

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What discount does a Class A roof get?

The Department of Insurance's Safer from Wildfires framework says every listed action qualifies for an insurance discount, starting with a Class A fire-rated roof. Most roofs qualify: asphalt shingles, concrete, brick or masonry tile, and metal shingles or sheets. Wood shake isn't Class A. Discount amounts vary by insurer.

Does roof age affect insurance?

Many insurers consider it. The FAIR Plan, for example, offers dwelling replacement-cost coverage on homes over 25 years old only if the roof was updated within 25 years (FAIR Plan). Starting January 1, 2028, an insurer can't refuse to issue or renew solely because of roof age if an independent inspection confirms at least five years of useful life (SB 1301).

What else helps besides the roof?

Ember-resistant vents with 1/16- to 1/8-inch metal mesh, enclosed eaves, a 5-foot ember-resistant zone and defensible space are also on the CDI list (CDI).

What should I send my insurer?

The contract, the permit final, and the product's Class A rating. See Class A roofs and roof age and insurance.

For your actual price, request a free written estimate: a licensed roofer measures the roof and prices your exact scope.

Every roofer we work with is licensed, insured and highly reviewed by Bay Area homeowners.

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Frequently asked questions

Is asphalt shingle Class A?

Most asphalt shingle roofs qualify as Class A, per the CDI's Safer from Wildfires list. Check the product's rating.

How much will my premium drop?

It depends on the insurer's filed discounts. Ask your insurer what it gives for a Class A roof.

Do I need to tell my insurer about a new roof?

Yes; send the contract, permit final and product rating so the insurer can update your policy.

Related questions

Sources

Sources reviewed November 12, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.