“Do I Need to Call My Insurance Agent First?”
Short answer: not for permission. You don’t need your insurer’s sign-off to maintain a roof you own — but a two-minute call, asked the right way, could earn you a discount. Here’s exactly how to have it.
Start With a Free AssessmentYou Don’t Need Permission to Maintain Your Own Roof
A GoNano™ treatment is maintenance you pay for on a roof you already own — no different from replacing worn pipe boots or having the roof cleaned. It isn’t an insurance claim, it isn’t a policy change, and it isn’t a modification that needs anyone’s approval. Nobody calls their agent before cleaning the gutters.
So why does “I should check with my agent first” come up? Usually because it feels like the responsible thing to do — and it can be, if you ask the right question. Asked the wrong way, an agent who’s never heard of the product will simply say “I wouldn’t.” Asked the right way, that same call can put money back in your pocket.
Turn the Call Into a Discount, Not a Request
Most people call and ask, in effect, “Is it okay if I do this?” — which invites a no. Flip it:
“I’m having my roof professionally treated to a Class 4 impact rating and adding years of life. Does my policy offer an impact-resistant roof discount, and what documentation do you need?
It presumes you’re proceeding
No permission is being sought, so there’s nothing for the agent to veto.
It’s about saving you money
Agents engage with a discount question — it’s a reason to help, not to hesitate.
Texas is friendly to it
The Texas Department of Insurance encourages impact-resistant roof discounts, and many carriers offer them for Class 4 roofs.
Straight talk: whether your specific carrier applies its impact-resistant discount to a treated roof (versus a factory Class 4 shingle) is theirs to decide. We won’t promise the discount — we give you the documented Class 4 test results to ask for it, and “does your carrier offer it?” is exactly what the call is for.
Two Documents Do the Talking
Your agent doesn’t need to know the brand — they need to see standards they already recognize. Both come with your treatment.
① The Official Submittal Spec Sheet
GoNano’s own endorsed document — UL 2218 (Class 4 impact) and ASTM D3161 (~110 mph wind) results laid out against the exact standards carriers use to rate new roofing products. Not a homemade flyer: the manufacturer’s certified sheet.
② Your Drone Condition Report
Engineering-grade before/after imagery and a scored condition assessment of your specific roof — the documented, condition-based evidence carriers respect. Most treatments can’t hand you this. Ours does.
And it won’t cost you your warranty
By federal law — the Magnuson-Moss Warranty Act — a GoNano treatment does not void your shingle manufacturer’s warranty. You keep that coverage and gain GoNano’s written warranty on top of it. That’s one less thing for a cautious agent to worry about.
Run Both in Parallel
The insurance question doesn’t have to hold anything up. Your drone assessment is free and carries no obligation — and it’s what produces the documentation you’d bring to your agent in the first place. So the smart order is simple:
- Book the free assessment now. We fly the roof and score its condition — no cost, no commitment.
- You get the documentation. The official spec sheet plus your condition report.
- Make the call with paper in hand. Ask about the impact-resistant discount, on your timeline.
Nothing is owed either way — and you’ll never be asking your agent to imagine a product they’ve never seen. You’ll be showing them results on standards they already use.
Insurance-Agent Questions
Do I need my insurance company’s permission to treat my roof?
No. A GoNano™ treatment is maintenance you pay for on a roof you own — like new pipe boots or a cleaning. It isn’t a claim, a policy change, or a modification that needs sign-off. You don’t need your carrier’s approval to proceed. The reason to talk to your agent isn’t permission — it’s to ask whether they’ll give you a discount for it.
Will treating my roof lower my insurance premium?
It may. Texas is one of the friendlier states for this — the Texas Department of Insurance encourages carriers to offer premium discounts for impact-resistant (Class 4) roofs, and many do. GoNano-treated shingles are independently tested to UL 2218 Class 4. Whether your specific carrier applies its impact-resistant discount to a treated roof is theirs to decide — which is exactly why you ask, with the documentation in hand.
What should I ask my insurance agent?
Ask the question that gets a useful answer: “I’m having my roof professionally treated to a Class 4 impact rating and adding years of life. Does my policy offer an impact-resistant roof discount, and what documentation do you need?” It presumes you’re moving ahead, and it turns the call into a search for savings instead of a request for permission.
My agent has never heard of GoNano — is that a problem?
It’s normal, and it’s not a problem. Most agents haven’t seen a drone-applied nano treatment yet. That’s why you don’t ask them to evaluate the product — you hand them the official GoNano™ submittal spec sheet (the same standards-based document carriers use to rate new roofing) and your drone condition report, and you ask about the impact-resistant discount. Standards they recognize; the brand name they don’t need to.
What documentation do I give my agent?
Two things, both included with your treatment: the official GoNano™ submittal spec sheet showing the UL 2218 (Class 4 impact) and ASTM D3161 (~110 mph wind) results against the standards carriers already use, and your engineering-grade drone condition report with before/after imagery. You bring recognized test standards and documented condition — not a sales pitch.
Could treating my roof hurt a future claim or my coverage?
It’s a documented improvement to the roof, not a change that reduces coverage, and by federal law (the Magnuson-Moss Warranty Act) it does not void your shingle manufacturer warranty — you keep that and gain GoNano’s written warranty on top. This is not insurance, legal, or underwriting advice; confirm specifics with your licensed Texas agent.
Not insurance, legal, or underwriting advice. Impact-resistant discounts, eligibility, and documentation requirements vary by carrier and policy — review specifics with a licensed Texas insurance agent. Test results reflect independent third-party laboratory testing of GoNano-treated shingles; see the testing page for sources.
Get the Documentation First
Start with a free drone assessment — you’ll have the spec sheet and condition report in hand before you ever pick up the phone.
- Drone roof assessment — engineering-grade condition report
- Honest answer — protect, repair, or replace; the data decides
- Written warranty — 5 to 20 years depending on your roof
