Replacing your roof may not be the most exciting task, but a new roof can not only improve on your home’s curb appeal, but can seal out moisture and protect your home and belongings. There are many varieties of roofing material you can choose from, so before simply replacing your current material, do a little bit of research and find the one that works best for your home without breaking your budget.

When choosing the type of roofing material, it’s important to take a few key components into consideration, such as cost, appearance, longevity and weight. You may want to factor in the climate your property is in as well, as excessive snow loads or consistent rain may sway your decision.

Here are 4 roofing materials to consider for your property.


The most common form of residential roofing material in the U.S., asphalt shingles are made from a fiberglass base, asphalt and mineral granules. Asphalt shingles are one of the most cost-effective materials to use, come in a variety of colors and are easy to install. However, they don’t offer the insulation some other roofing materials do, and often have a shorter life span. But, if they’re properly installed, you’re still likely to get a good 20-25 years out of them.


Metal roofs are lightweight and resistant to extreme weather, and they can last from 40-75 years. The reflective nature of metal roofing helps keep your home cooler by reflecting heat from the sun, rather than absorbing it as asphalt shingles do. But metal roofing can be fairly expensive. It can also be dented by things such as hail and fallen branches and is noisier than other roofing materials.


Wood shingles or shakes, often made from cedar, southern pine and redwood, are a natural product that create an attractive, rustic appearance. Because wood is a poor conductor of heat, wood shakes or shingles are good at insulating your home, and they’re fairly resistant to wind damage. Wood roofs cost more to install, though, and because they’re flammable, wood roofing material is not recommended in wildfire-prone regions. Wood shakes and shingles typically last around 25-30 years.


Clay tiles add an air of elegance to a roof, and their textured look is great for curb appeal. Clay and concrete tiles are very durable but, unsurprisingly, very heavy. They’re also fire resistant, impact resistant and wind resistant, and a clay tile roof can last anywhere from 50 to 100 years when properly installed. The heavy nature of the tiles is great at protecting your home from extreme weather, but you’ll want to ensure the structure you’re placing them on is strong enough to support the weight. They’re also more expensive than other roofing materials, and installation is more technical, so it’s important to hire a qualified professional to install the tiles. Clay and concrete tiles are only suitable for sloped roofs.


If you’ve experienced roof damage in Montana, or another state in K-Factor Advocates’ coverage area, our team of public insurance adjusters wants to help. Your roof is one of the most important components of your home, so taking care of it is crucial.


K-Factor Advocates is a public adjusting firm that specializes in insurance claim negotiation, policy language and interpretation, and claims estimating. K-Factor’s team of public adjusters work on behalf of the policyholder. Coverage areas include Montana, Idaho, North Dakota, South Dakota, Wisconsin, Minnesota and Michigan.

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