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There are 3 main #roof factors that can impact your price of #Homeowner's #Insurance. 1) The Roof Type & Material The most common found roofs in America are: (In order of lowest to highest cost to your policy) -Metal -Slate/Tile -Asphalt #Shingles -Wood 2) Roof Age The newer the roof- the lower the cost. Simple as that. Some companies may not insure roofs over a certain age. 3) Roof Shape The three most common shapes of roof are Gable, Hip, and Flat -Gable- Look