Learn whether Georgia homeowners can get insurance coverage for wood shake or shingle roofs. Understand fire ratings, premiums, and what insurers look for.

Do insurance companies cover wood roofs?

Wood Roofing FAQs
October 12, 2025•2 min read

Do Insurance Companies Cover Wood Roofs in Georgia?

Yes, but there’s a catch. Many insurance companies do cover wood roofs, but they often charge higher premiums—or may deny coverage—due to the increased fire risk and maintenance needs.

Here’s what homeowners in Georgia need to know:

  • Fire-rated wood shakes matter. Homes with fire-retardant-treated wood shakes are more likely to qualify for standard coverage.

  • Documentation is key. You may need proof that your wood roofing material meets Class C or better fire ratings (ASTM E108 or UL 790 standards).

  • Expect a higher premium. Even with documentation, wood roofs often cost more to insure than asphalt or metal due to perceived fire and rot risks.

  • Check with your insurer before installing. Some companies may require a rider or may refuse to renew a policy if a wood roof is added or already in poor condition.

  • Home age and location can affect approval. Insurance companies may deny or limit coverage for older wood roofs, especially in wildfire-prone or humid areas.

What type of wood roof is more likely to get insurance coverage?

Insurers prefer:

  • Fire-retardant-treated wood shakes

  • Class A or B rated systems when combined with special underlayments

  • Newer roofs (less than 15 years old)

  • Properly ventilated and maintained roofs

How can I improve my chances of getting coverage for a wood roof?

  • Get a certified fire rating report from the manufacturer or installer.

  • Request a roof inspection to show your wood roof is in good shape.

  • Keep the roof free of debris and moss to avoid denial for “lack of maintenance.”

  • Ask your agent about adding a rider for extra protection.

Should I replace my wood roof to reduce insurance costs?

If your wood roof is over 20 years old or not fire-rated, switching to a material like asphalt or metal may:

  • Lower your premiums

  • Increase policy availability

  • Improve resale value

FAQ

Can I get homeowners insurance with a wood shake roof in Georgia?
Yes, but not all carriers offer it. You'll need to show the roof is fire-retardant-treated and well maintained.

Is a wood roof more expensive to insure than asphalt?
Usually, yes. Insurance companies often charge higher premiums due to increased fire and maintenance risks.

What if my insurer won’t renew my policy because of a wood roof?
You may need to switch insurers or replace the roof with a more insurable material. Always ask for coverage options before renewal time.

Do fire-retardant wood shakes meet code in Georgia?
Yes, if they meet ASTM E108 or UL 790 Class C or better fire ratings and are installed per manufacturer guidelines.

Need Help?

If you're in Georgia and want to know whether your wood roof qualifies for insurance, or you're thinking of replacing it, call Roof Nuts at 404-476-6851 or visit RoofNutsGA.com.

We service cities like Atlanta, Augusta, Macon, Columbus, Savannah, Athens, and beyond.

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