Our insurance rates went up after adding a steel roof to the farm house. Seems like insurance companies don't like steel roofs due to possible hail damage and replacement cost. Maybe because it's in E. Texas where we get some serious thunder storms with hail. I like what you have done with your place.
IDK for sure but hail damage is mostly cosmetic, I would guess your rates went up because if a house is on fire the fire department breaks through the roof to put the fire out.
My insurance didn�t change when I got a pond. They told me the fire fighting benefits were cancelled out by the increased liability.
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