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It depends on the state approved rate structure and underwriting guidelines of your insurance company.

You would need to call them and ask for a quote based on composition shingles rather than wood shake.

Some companies do not accept homes with Wood Shake shingles at all.

It's not likely to effect your rate very much with a single insurer, however, having a composition shingled roof would open you up to a much wider range of potential insurers that would accept you thereby allowing you more of a market to select from.

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Q: How much money can a homeowner save if they change their roof from wood shake to composition shingles?
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