The Best Fire Resistant Roofing Types for Your Home and their Benefits
Homeowners seeking fire resistant types of roofs want protection, peace of mind, and perhaps homeowners insurance discounts. Opting for roofing materials with a Class A Fire Rating provides the highest defense against flames and fire damage, but what are these materials, and how do they differ in cost and effectiveness? This article explains the essentials of fire-resistant roofing, from material ratings to cost implications and potential homeowners insurance policy savings—setting you up for informed decisions on securing your home with a fire resistant roofing product that provides long term value.
Key Article Takeaways
Class A fire-resistant roofing materials, such as synthetic, slate, metal, clay, and concrete tiles provide the highest level of protection against external fire sources.
Regular maintenance and incorporating fire-resistant design features into a home, such as non-flammable siding, fire resistant windows, and creating defensible space around your home are critical for enhancing the overall fire resistance of a property.
Investing in fire-resistant roofing can lead to lower home insurance premiums due to reduced fire risks, and homeowners should balance the initial costs with long-term savings on maintenance, replacements, and insurance.
If you live in a fire prone area, create defensible space around the perimeter of your home to better protect your property from wildfires and fire damage.
Click here for more information about Home Fire Safety, Wildfires, and what you can do to protect your family from wildfires.
Defining Fire Resistance in Roofing
Fire resistance related to roofing, is the ability of a roofing product to resist fire and provide protection against flame penetration to the underlying roof deck and attic space without producing embers or moving from their installed position.
Fire protection begins at the top of your home. In the event of a wildfire, flames spread roof to roof, with embers from the fire being a major cause of traveling fire damage. Fire-resistant roofing materials are designed to slow the spread of fire, offering additional time to combat potential fire damage and reduce the speed at which fire can inflict damage on a home.
But what does a Class A fire rating mean, and how does it differentiate from other types of materials? Let’s find out.
The Role of Fire Ratings and Class A Fire Resistance
The American Society for Testing and Materials (ASTM) specifies fire standards and flammability standards for a variety of products. These standards are important and instrumental for building codes, insurance requirements and fire regulations that govern the use of building materials.
The assignment of fire ratings to roofing materials is based on tests that measure their resistance to fire. Roofing materials are classified into 3 fire ratings:
Class A: Strong resistance to severe fire exposure
Class A Tests are applicable to roof coverings that are expected to be effective against severe fire exposure, afford a high degree of fire protection to the roof deck, do not slip from position, and are not expected to present a flying brand hazard.
Class B: Moderate resistance to moderate fire exposure
Class B Tests are applicable to roof coverings that are expected to be effective against moderate fire exposure, afford a moderate degree of fire protection to the roof deck, do not slip from position, and are not expected to present a flying brand hazard.
Class C: Light resistance to light fire exposure
Class C Tests are applicable to roof coverings that are effective against light fire exposure, afford a light degree of fire protection to the roof deck, do not slip from position, and are not expected to present a flying brand hazard.
Class A fire resistance is considered the highest rating for roofing materials in terms of protection against fire. Class A fire rated roof coverings can also be categorized as ‘stand-alone Class A’, which means the covering itself is fire resistant, or ‘assembly-rated Class A’, which includes both the covering and additional fire protective materials beneath it. Synthetic roofing products such as CeDUR, are one of the few roofing types that are stand alone Class A Fire Rated.
Incorporating Fire Resistant Design Features into Your Home
If you live in a mountain community or high risk fire zone, you can take preventive steps to make your home fire resistant to potential wildfire damage. Incorporating fire-resistant design features into your home can significantly enhance its protection against fire damage. Using non-flammable siding materials such as fiber-cement siding, brick, or stucco, can safeguard walls from fire while preventing fires from spreading along exterior walls. Similarly, choosing non-combustible materials for fences and decks, such as certain composite or synthetic materials, can help in preventing fires from spreading to and from the house.
Other measures to protect your home from wildfires include:
Create “defensible space” around the perimeter of your homes structure
Creating a perimeter of crushed stone around the base of home siding to act as a protective barrier and prevent ground fires from reaching the house
Incorporating fire-resistant windows with smaller panes to enhance resistance against the intense heat from wildfires
Regularly covering critical areas like vents and chimneys with wire mesh to prevent the ingress of flammable materials into the home
Create space between your property and the grass, trees, shrubs, or any wildland area that surrounds your home
Click here for detailed information about Wildfire Mitigation and how to improve the Defensible Space around your home.
Fire Resistant Roofing Types for Your Home
Choosing the right fire-resistant roofing material can be a challenging task. Each fire resistant roofing material type provides unique properties and levels of fire protection. If you live in a mountain community or high risk fire zone, you should strongly consider Class A fire resistant roofing materials. Some Class A fire rated roofing types to consider are:
Synthetic roofs
Metal roofs
Concrete tiles
Clay tiles
Natural Slate roofs
Determining whether a roofing material has a stand-alone rating or assembly-rated fire rating often necessitates reviewing installation instructions to understand classification requirements. Now, let’s delve into specific fire-resistant roofing types: Metal roofs, Clay and Concrete Tiles, Natural Slate, and Synthetic roofs.
Metal Roofs: Durable and Fire Resistant
There are a variety of metal roofing types. Material options include steel, aluminum, zinc, tin, and copper. Metal roofs are available in pre-formed panels, coated panels, and vertical seam. Some manufacturers even offer different metal style choices like slate, tile, panels, and shakes.
If you prefer a metal roof, it is best practice to ensure that your metal product manufacturer is tested, labeled, and listed with a certified testing organization like Underwriters Laboratories, FM Approvals, or Intertek. A metal roof installation can vary depending on your location, so if you choose a metal roof, make sure that you also choose a roofing contractor with experience installing metal that is familiar with local building code requirements.
Metal roofing offers several advantages, including:
High fire resistance
Constructed from non-combustible materials such as steel, zinc, copper, and stainless steel
Good option for areas prone to wildfires
Durability to withstand fire, wind, and extreme weather conditions
Long lifespan with low maintenance requirements
In addition to these benefits, metal roofs contribute to cost savings on utility bills. Their reflective surfaces can aid in keeping homes cooler in summer and retain heat in winter, increasing the energy efficiency of a home.
Clay and Concrete Tiles: Traditional Elegance with High Fire Rating
Clay and concrete tiles offer another excellent option for fire-resistant roofing. Clay tiles attain a Class A fire resistance rating, demonstrating high fire protection and an ability to prevent the spread of flames. When installed correctly, both clay and concrete tiles offer non-combustible qualities, minimizing the risk of fire spread.
Apart from their fire protection capabilities, clay tiles contribute to the traditional aesthetic appeal of homes, particularly in styles such as Spanish or Mediterranean architecture. They are comparable to other fire-resistant materials like metal roofs and slate roofs in their capacity to withstand extreme temperatures. The density of these roofing tiles is determined by how long the tiles are heated, and at what temperature.
Concrete tiles are made similar to regular concrete: with a mixture of sand, cement, and water, that is molded under heat and high pressure. Concrete tiles are available in three possible styles: flat, which has no curves, low profile, that has a small curve, and high profile, that has a large curve. Concrete tiles offer a high level of durability and fire resistance, but if you have an older home, keep in mind that concrete is much heavier than other roofing types.
Clay and Concrete roofing tiles offer several advantages, including:
Great option for coastal communities
Unique styles, colors, and shapes
Color longevity and familiar traditional look
Highly durable
Low maintenance
Natural Slate Roofs: Timeless Look with Reliable Fire Resistance
Natural slate roofs offer a truly unique and timeless look, and natural slate is one of the most heat resistant building materials. Natural slate is made from metamorphic rock composed mainly of quartz, chlorite and illite minerals.
Natural slate is utilized for driveways, cladding, walls, and roofing, and slate is one of the worlds oldest and most reliable building materials. When used in roofing applications, natural slate provides extreme fire resistance and does not burn. Due to the popularity of it’s appearance, there are also faux slate roofing tile manufacturers, although nothing compares to the authentic look of a natural slate roof.
Keep in mind that natural slate is one of the most expensive roofing types that you can purchase, that is because it is very difficult to source, heavy to transport, and challenging to install.
Natural Slate roofing tiles provide many benefits, including:
Pollutant resistant
Mold resistant
Low water absorption
Timeless and unique appearance
Highly durable, reliable, and long lasting
Synthetic Roofing: Modern Innovation in Fire Resistance
As technology advances, so do our options for fire-resistant roofing. One of these advancements is synthetic roofing materials. Made from materials such as polymer, rubber, and plastic, synthetic roofs are inherently designed to improve fire resistance in roofing.
These innovative roofing types offer the best of both worlds. They combine the benefits of traditional materials, such as the aesthetic appeal of wood, slate, clay or concrete tiles, with the durability and fire resistance of metal roofs. This combination makes synthetic roofing an attractive and practical choice for homeowners looking for fire-resistant roofing options. If you are interested in a stand alone Class A Fire Resistant synthetic roofing material that looks indistinguishable from wood shakes, look into CeDUR.
Keep in Mind: Insurance Companies offer Reduced Rates for Durable Roofs
Choosing fire-resistant roofing doesn’t just protect your home; it can also lead to savings on your insurance premiums. Due to the performance features of synthetic roofing and the roofing types mentioned in this article, many insurance companies offer reduced rates when switching to Class A Fire Rated and/or Class 4 Impact Rated roofing products, especially in fire prone and hail prone areas.
Fire resistant and impact resistant roof types can save homeowners money on yearly insurance premiums. Insurance companies offer discounts to homeowners with Class 4 Impact Rated and/or Class A Fire Rated because they resist wildfire and hail damage. So, investing in fire-resistant roofing materials may align with personal finance goals by potentially reducing insurance costs long-term while enhancing property safety and appearance.
Maximizing Your Home's Defense Against Fire
Fire-resistant roofing is a cornerstone of a home’s defense against fire. These roofing materials are essential for safeguarding homes from various fire threats, including combustible debris, radiating heat, and embers which can easily spark fires on a roofing deck.
But roofing is just one aspect of a home’s defense against fire. Let’s now explore other design features and maintenance practices that can enhance your home’s fire resistance.
Integrating Fire Resistant Roofing with Home Insurance
The type of roof you choose can significantly impact your insurance rates. The roof type can significantly impact insurance rates as it directly affects the risk of damage and potential claims. Insurance companies consider factors like the condition, age, and materials of the roof when determining the level of risk associated with insuring a home.
Home insurance companies offer lower rates for homes with fire-resistant roofing materials due to the reduced risk of fire damage. Roofing materials that are fire-resistant or impact-resistant may qualify homeowners for a home insurance discount on their premiums.
This integration of fire-resistant roofing with your homeowners insurance policy is a win-win situation. It not only enhances the safety of your home, but also leads to potential savings on your insurance premiums. Let’s delve deeper into this topic.
Insurance Discounts for Fire Resistant Roofing
Choosing certain roofing materials that are fire resistant can lead to discounts in homeowners’ insurance premiums. Insurance companies may offer discounts for homes with Class A fire-rated roofing, acknowledging the reduced risk of fire damage.
These discounts, often referred to as home insurance discounts or homeowners insurance discounts, can help offset the initial higher costs of installing fire-resistant roofing materials. Therefore, this is an important factor to consider when planning your home’s roofing upgrade, especially when taking advantage of a loyalty discount.
Communicating Upgrades to Your Insurance Provider
After or prior to installing fire-resistant roofing, it’s important to communicate these upgrades to your insurance provider. Document the changes and share this information with your insurer to see if it impacts your premiums.
This open communication can help you maximize potential savings on your homeowners insurance policy premiums, such as taking advantage of a multi policy discount. It’s always a good idea to keep your insurance provider in the loop about any upgrades or changes to your property.
Regular Maintenance to Preserve Fire Resistance
Installing fire-resistant roofing and incorporating design features is just the first step. Regular maintenance is critical to preserving the fire resistance of your home. Even metal roofs, which are less likely to degrade over time, require regular maintenance to retain their fire resistance. The need for less frequent maintenance on metal roofs can help in mitigating the risk of fire due to less debris and damage over time.
A well-maintained roof with appropriate materials and regular inspections is less likely to experience leaks, structural issues, or other forms of damage, reducing the likelihood of potential claims. Determining precise home insurance rates for different roofing materials and roof shapes is challenging as rates can vary significantly among insurance companies, regions, and individual policy factors.
Routine roof maintenance is essential for maintaining the fire resistance of one’s home. Some important tasks to include in your roof maintenance routine are:
Cleaning gutters
Inspecting for any signs of damage or wear
Clearing debris from the roof
Trimming overhanging tree branches
In some cases, insurance companies might stipulate the requirement for professional roof inspections, and the roof’s maintenance history could influence insurance rates.
Cost Considerations: Is Fire Resistant Roofing Worth It?
Investing in fire-resistant roofing is a significant decision that involves weighing the costs and benefits. Fire-resistant roofing materials can be more costly initially, with prices varying depending on the type and quality of the material used and your home’s location. The installation costs for fire-resistant roofs can also contribute to the overall initial investment, which can be higher than standard roofing products like asphalt shingles.
However, while the upfront costs may be higher, fire-resistant roofing is often associated with lower long-term costs due to durability, energy efficiency, and long term insurance savings. The long lifespan of fire-resistant roofs means fewer replacements over time, resulting in cost savings. Let’s examine this cost consideration more closely.
Upfront Costs vs. Long-Term Savings
Although roofing types with a Class A fire rating like synthetic, slate, and metal may come with higher upfront costs, they offer long-lasting fire protection. Metal roofing, despite the higher initial expense compared to traditional asphalt shingles, leads to long-term savings due to its reduced maintenance needs and increased lifespan. Therefore, homeowners are encouraged to balance the initial investment in fire-resistant roofing with the long-term benefits such as potential insurance savings and greater safety.
Balancing Personal Finance and Home Safety
Choosing fire-resistant roofing is not just about safety; it’s also about considering how it impacts personal finances. Metal roofs and synthetic roofs, due to their high impact rating and resistance to severe weather elements such as high winds, hail, and wildfires, provide a significant safety advantage for homes. Choosing metal roofing can lead to a reduction in the likelihood of damage and subsequent repair costs from weather-related incidents, thus impacting personal finances positively by mitigating potential losses.
There are also financing options available to homeowners to spread the cost of fire-resistant roofing over time, rather than paying the full amount upfront. Some options include:
Personal loans with competitive rates and flexible repayment terms for homeowners with good credit scores
Secured personal loans that require collateral for homeowners with less favorable credit
Government-insured loans, like FHA 203(k) standard loans, that provide financing options for homeowners who might not meet traditional lending criteria
These financing options can help homeowners enhance home safety without immediate financial strain.
Consider Fire Resistant CeDUR Synthetic Roofing Products
CeDUR Synthetic Roofing Products perfectly replicate the desirable wood shake look while providing extreme fire resistance. Natural cedar shakes ignite at around 375 degrees Fahrenheit. The temperature on our CeDUR Class A certified burning brand test reached temperatures in excess of 1,400 degrees Fahrenheit and CeDUR shakes did not reach ignition.
In the event of a fire, CeDUR synthetic shakes can extinguish flame spread and do not allow a flame to propagate on the surface of the product. CeDUR synthetic roofing products are stand-alone Class A Fire Rated without the need of a special fire-resistant underlayment during installation. This fire-resistant technology is patented and proprietary to CeDUR.
Does not require special fire-resistant underlayment to achieve Class A Fire Rating
This fire-resistant technology is patented and proprietary to CeDUR
Class A Fire Rating - Stand Alone - highest rating obtainable
ASTM E108, UL 790
