If you live in an area prone to natural calamities, insurance companies are likely to reward you for installing impact resistant shingles. Besides, if you install the stone coated metal roofing, then the insurance companies will reward you with the insurance discounts, as they know that homes having this roofing installed are less prone to the damage caused due to the hail storms, fires and other detrimental factors. It means that the insurance companies are less likely to pay the insurance claims.