When you work with a home builder to design and build your dream home, you'll be expected to answer many, many questions about what you want in the home. What materials will be used to build the exterior of the home? Did you realize that some building materials can actually help to save you money on the cost of homeowners insurance? Here, you'll find a short list of materials to consider including in the design of your home to not only lower the cost of insuring the property, but also to create a home that is durable and will withstand the test of time.
The Main Structure
Do you picture your house covered in vinyl siding or made of bricks? If you hope to build a home that will require minimal maintenance work and will hold up well to strong storms, you'd be best to opt for a brick home.
Brick sided homes will cost less to insure than those that are covered in siding. This is because the brick is more durable – it will not be damaged as easily, nor will it burn as quickly.
Are you going to choose a standard asphalt shingle roof for your home? Do you want metal or rubber? There are so many great roofing materials marketed these days, but if you're looking for something that will withstand the abuse of time, consider a metal or rubber roof. If you prefer asphalt shingles, look into the longest lasting shingles available.
If you live in an area that is prone to very strong winds, discuss the option of installing high-wind rated shingles. These are designed to withstand hurricane strength winds without sustaining too much damage.
If you live in an area that is prone to forest fires, look for the flame retardant shingles.
In many areas, the windows that you choose won't make too much of a difference, but if you live in a hurricane or tornado prone area, look for impact resistant windows. These windows are designed to withstand the pounding of debris that flies through the air during these storms.
Talk with your home builder to learn more about how the building materials that you choose will impact the durability of the home, as well as the cost to insure it. He or she will know exactly what materials to direct you towards and provide you with further advice on building a home that is as indestructible as it can be.