In the state of Colorado, most insurance companies have rates and discounts based on the type of roofing you are looking to buy. Companies such as State Farm offer premium rates for both impact resistant roofing and standard roofing. Many other insurance companies lean towards discounts for impact resistant roofing because they aren’t replaced as often, and in turn saving the insurance company money in the long run. States with high weather fluctuation and large storms are commonly covered by their homeowners insurance for impact resistant roofing.