Getting A New Roof Thanks To Your Insurance Company? What Are Your Best Options?

If your home has recently weathered a hail storm, tornado, hurricane, or other severe storm that brought along high winds and flying debris, you may have already received notice from your homeowners insurance company that you'll be getting a new roof for only the cost of your deductible. While the prospect of a free or nearly free roof can be an exciting one, you'll want to use your insurance dollars wisely to ensure your next roof can go the distance -- turning in a second insurance claim within a brief period of time can sometimes cause your company to substantially increase premiums or even drop you as a customer. Read on to learn more about some of the most durable and low-cost roofing materials available. 

Rubber roofing tiles

These tiles resemble flexible shingles and are available in a variety of colors and textures. Because they are made from recycled rubber tires and other crude-based products, they fulfill two duties -- keeping old rubber items out of landfills and providing you with a lower-cost alternative to single-use shingles.

Rubber roofing tiles can be ideal for homes in humid or rainy climates, as they are especially water resistant, and they can also be treated with UV-reflecting chemicals during the manufacturing process to make them resistant to fading from the sun as well. Their relative thickness and heaviness compared to other roofing materials can require you to ensure that your home's load-bearing walls are able to accommodate this extra weight; however, this heft also helps make these tiles one of the most durable and long-lasting roofing options on the market.

Recycled asphalt shingles

Like recycled rubber roofing tiles, recycled asphalt shingles can save both money and waste. But unlike rubber tiles, which don't have a non-recycled version to use as a point of comparison, recycled asphalt shingles are nearly identical in function and appearance to their non-recycled companions -- just lower in cost due to the lower price of raw ingredients.

Recycled asphalt shingles are made from a new fiber-based backing topped with shreds or chunks of asphalt reclaimed from road applications or even used asphalt shingles. Because this recycled asphalt often contains gluey binders from both hot mix and cold mix asphalt pavement, it is especially durable when it comes to wind or hail damage. Many recycled asphalt shingles also come with a decades-long warranty comparable to those offered for new shingles.