The best way to protect your house is to invest in home insurance. If this is your first time shopping for policies, it’s important to understand a few details regarding different plans and how your roof, in particular, plays a vital role. Because your roof acts as a first line of defense against the elements, what it's made of will partially determine the cost of the policy. To help, Tory's Roofing & Waterproofing Inc., a top roofing contractor in Pearl City, HI, has shared everything you need to know.

Consider your environment and your type of roof to get an idea of how costly your home insurance will be: 

• Metal Roofing: In Hawaii, residents and commercial buildings alike must be able to withstand the strong winds and rainfall of hurricanes. Flying debris, fallen trees, and even rising water levels can all be a threat, which is why so many invest in a metal roof. Metal provides an incredible resilience against natural elements. Because it strongly resists hurricane weather, your home insurance costs will most likely be lower.

• Asphalt Shingles: Asphalt is a common form of shingle roofing in Hawaii, as it is naturally resistant to high heat and fire. It’s an affordable material that is easily acquired and installed. While it does not hold up as well as metal in the Hawaiian hurricanes, because it is so common, it is a relatively inexpensive repair. In the case of home insurance policies, asphalt roofing is an affordable option.

• Multiple Peaks: The shape of your roof plays just as much of a role as the material used. Certain shapes can withstand the extreme Hawaiian winds better than others. For example, a roof with multiple peaks, such as a hip roof with four slopes, withstands hurricanes better than a roof with only two slopes. Likewise, a 30-degree foot slope provides the best protection.

The condition of your roof plays a vital role in the affordability and coverage of your home insurance. If you want to update your home, contact Tory's Roofing & Waterproofing Inc. Their exceptional roofing contractor takes on both residential and business projects. With over 40 years of experience, they are the largest roofing company in Hawaii. For more information, visit the website. To speak with a roofing contractor, call (808) 456-5990.