New Roof

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CertainTeed Landmark and CertainTeed Belmon

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I'm going to refrain from talking about how much I dislike CT shingles shingles but just know that I do

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Price difference would be ~10k$, including labor. If anyone has any roofing experience, I'd really appreciate an opinion on cost/benefit between the 2 options

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The Belmont is a class 4 impact resistant and a pretty tough shingle. The CT Landmark is imo, one of the two worst architectural shingles on the market so the jump from CT class 3 to class 4 is a pretty big jump in quality. In other manufacturers it's not quite as big of a jump because their class 3's are so much better. Though a 10K price difference is extreme. The Belmont is kind of a luxury shingle so you're paying extra for the look as well.. The product will be better no doubt, but is the look 10K important to you? Is this your forever home? If you don't plan on being there a long time I'd have a hard time justifying the cost.

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Insurance is w/ State Farm, not sure what the discount would be, but I believe I would get one w/ the Belmont option.

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A class 3 will get you a 10% discount on your premiums with State Farm and a class 4 will get you 15-20% discount.

I need a new roof myself and have been pondering on this recently. I am not sure I believe there is much difference in the quality of any shingle versus another. Basically, the only time insurance comes into play is when a storm takes place.

In my experience, unless you have a storm, basically any shingle will last 20 years.

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For roofs 15–20 years old, State Farm may only pay the Actual Cash Value (replacement cost minus depreciation) rather than the full cost to replace.

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I’ve yet to see SF write an ACV policy.