雨水从防冲击屋顶流下.

什么是抗冲击屋顶?

如果你想换个屋顶, now's a great time to upgrade to sturdier materials to create an impact-resistant roof that may save you time, 金钱和麻烦在路上.

你的屋顶有多耐用? That depends on the type of roofing products used in its construction. 一种屋面产品——抗冲击瓦, which are sometimes called hail-resistant shingles — can give you a stronger, safer, 更耐用的屋顶. 抗冲击的屋顶也可以减少冰雹的风险, 风暴造成的风和内部水破坏, especially if you live in an area where hail and wind put roofs to the test. 你甚至可能有资格获得折扣 房产pp王者电子官网 升级时的保费.

什么是抗冲击屋面材料?

Impact-resistant shingles and other roofing materials are designed to resist damage from hail and flying debris — things that might damage ordinary shingles. Shingles on an impact-resistant roof are designed to withstand high winds and hail damage.

冰雹对屋顶的打击特别大 冰雹的高度可达5英寸 or more in diameter, and pelt your roof at speeds of 90 miles an hour or more. 根据索赔数据,州立农业pp王者电子官网公司支付了赔偿金 $2.到2022年,房主的冰雹索赔将达到90亿美元.

根据 商业和家庭安全pp王者电子官网协会 (IBHS),大多数屋顶的平均寿命为20年. However, roofs in areas that experience a lot of hail may need to be replaced every 7 to 10 years. IBHS是包括State Farm®在内的组织之一, 在布卢明顿有一个内部实验室, Illinois — whose researchers have devoted years to field and lab research studying hail and testing the materials designed to handle it. IBHS有一个 评级系统 for impact-resistant shingles that includes reviews of denting, tears and granule loss.

您可以选择抗冲击瓦,如沥青或a 金属屋面材料 有各种流行的款式. Impact-resistant shingles resembling wood or slate that are made of concrete, plastic, 回收的树脂或橡胶也有多种颜色可供选择.

抗冲击屋面材料的等级是怎样的?

Two companies — Underwriters Laboratories (UL) and FM Approvals — are typically used to rate the impact resistance of roofing materials.

在UL测试中, steel balls of different sizes are dropped from varying heights onto newly manufactured roof coverings.1 FM审批测试, premolded ice balls in various sizes are launched onto newly manufactured material.

A specimen passes when it withstands two tests with no evidence of damage such as cracking, 分裂或断裂. Qualifying coverings are then graded from 1 to 4, with Class 4 shingles as the highest.

抗冲击带状疱疹值得吗?

While impact-resistant products may cost more than traditional shingles, you could save over the long run when you consider the reduced likelihood for roof and home damage — especially if you live in a hail-prone area. After a 巨大的风暴, a stronger roof may help spare you the cost of replacement materials and labor for repairs.

在一些州, you may also qualify for discounts on your home insurance premiums by using qualifying impact-resistant roofing products. 检查您的状态是否包含在 屋顶折扣基于产品使用.

考虑抗冲击屋顶选择的原因

  • Better resistance to impact from hail and flying debris than non-impact-resistant products.
  • 防火——许多产品的防火等级为A级.
  • You may be eligible for an annual discount on your homeowners premium,2 特别是如果你现在的屋顶是由木瓦制成的.3
  • 如果你卖掉你的房子, the new owner may be eligible for a 房产pp王者电子官网 discount, 哪一个是好的卖点.
  • Less impact on the environment since fewer roofs will be damaged during a storm.

To learn more about impact-resistant roofing materials, contact a 州立农场代理 today.

1 Underwriters Laboratories Impact Resistance of Prepared Roof Covering Materials or FM Global Specification Test Standard for Impact Resistant Testing of Rigid Roofing Materials by Impacting with Freezer Balls. Discount names, percentages, availability and eligibility may vary by state.

2 合格金属制品, an exclusion of certain damages to metal roof products will be a part of your policy. 详情请咨询您的代理.

3 Reduction of your 房产pp王者电子官网 premium depends on your state of residence.

The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). 虽然我们相信它是可靠和准确的, we do not warrant the accuracy or reliability of the information. 州立农场不负责, 不赞同或赞同, 隐式或显式, the content of any third party sites that might be hyperlinked from this page. 本信息不用于替代手册, instructions or information provided by a manufacturer or the advice of a qualified professional, 或影响任何适用pp王者电子官网单的承保范围. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

州立农场火灾事故公司
州立农场pp王者电子官网公司
布卢明顿,

佛罗里达州立农场pp王者电子官网公司
佛罗里达州温特黑文

劳埃德州立农场
理查森,TX

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