Is Euroshield Roofing Worth the Cost? A Smart Move for Kansas City, Bonner Springs, and Topeka Homeowners
If you live in Kansas City, Bonner Springs, Topeka, or anywhere else in the Midwest, you already know how nasty hailstorms can get. Last year alone, parts of the Kansas City metro and surrounding towns got absolutely hammered, leaving thousands of roofs battered, leaking, or totaled.
When it’s time to replace your roof after a hailstorm, a lot of folks ask the same thing: is it really worth spending extra on premium roofing products like Euroshield?
In many cases, yes. Especially with insurance carriers tightening the screws on coverage, deductible costs climbing, and asphalt shingles getting more expensive every year. Let’s break down why Euroshield rubber roofing might just be the smartest money move you can make.
What is Euroshield Rubber Roofing?
Euroshield is a premium roofing product made from 95% recycled rubber, mainly from used tires. It’s designed to mimic the look of natural slate or wood shake — but it’s far more durable and ridiculously impact-resistant.
Even better? Euroshield backs up its “hail proof” claims with real guarantees, covering hail up to 2″ in diameter (and limited coverage up to 4″). Compare that to traditional asphalt shingles — even “Class 4 Impact Resistant” ones — and you’ll see the real value in a manufacturer guaranteeing their product vs. a shingle passing a standardized test that doesn’t imitate true storm conditions.
The Hail Problem: Why Traditional Roofs Aren’t Cutting It Anymore
Last year’s hailstorms shredded roofs all over Shawnee, Lenexa, and western Kansas City. Golf-ball-sized hail ripped through asphalt, dented gutters, cracked skylights — you name it.
Even “impact-resistant” Class 4 shingles aren’t invincible. Sure, they’re tested against simulated hail by dropping a steel ball down a tube onto the shingle. If the fiberglass matting inside the shingle doesn’t break or fracture, it gets a rating based on the size of the ball. (Up to 2”). However, real-world storms are a whole different animal with 60 – 100 MPH winds, hail 1 – 4”+ and hail that may be round, spikey, or saucer shaped! Many shingles with high impact ratings still crack, dent, and lose granules – even in storms with hail at or smaller than the diameters they are rated for.
Euroshield, on the other hand, was built from the ground up to eat hail for breakfast. Lab tests and real-world storm reports prove it. If you’re serious about skipping the headache after the next storm, it’s hard to find a better option.
Rising Deductibles and the Shift to ACV Policies
Here’s where things can get ugly for homeowners who aren’t looking to the future.
More and more insurance carriers are moving older roofs — usually anything over 11 years — to ACV (Actual Cash Value) policies. Translation? If your roof gets smoked by hail, they’re going to factor in depreciation and cut you a check for a fraction of what it costs to replace it.
And that’s if you’re lucky. Rising deductibles are making the problem worse. Depending on your policy, you might have a flat $2,500 deductible — or you might owe 2% of your total property value. That’s not just a few bucks; it could mean $6,000, $10,000, even $15,000 or more, just to get the ball rolling.
If your roof is past that 11-year mark, you could end up paying your deductible plus 50% or more of the replacement costs out of pocket. It’s a brutal one-two punch most homeowners aren’t ready for.
Investing in a true hail-proof roof now could save you from a financial gut punch later.
Long-Term Savings and Premium Discounts
Another bonus is a lot of insurance companies offer premium discounts for roofs rated Class 4 Impact Resistant. This is true for many premium systems, metal roofing, and high quality asphalt shingles.
Euroshield qualifies for those discounts, and is guaranteed not to be your problem with carriers in the future. Meaning, while you may pay a deductible one day, it won’t be because hail smoked your roof.
Lower insurance premiums, fewer claims, less fighting with adjusters — it all adds up over time.
The Cost of Roof Replacement: Today vs. Tomorrow
Today, the average cost to replace an asphalt shingle roof in Kansas City runs between $12,000 to $20,000.
Euroshield rubber roofs average 2 to 3.5 times that upfront (depending on complexity) — roughly $25,000 to $55,000+ for the average homes in areas like Manhattan, KS, Topeka, KS, and the greater Kansas City area.
But factor in:
- Asphalt prices rising nearly 40% over the past five years
- Needing multiple replacements over 15-25 years
- Deductibles and ACV depreciation costs every time you file a claim (If you are actually hit by a damaging hail storm or wind storm.)
- Premium savings with Euroshield
… and suddenly that higher upfront price tag starts to look a whole lot smarter.
Bottom line: You can roll the dice, pay $15,000 now, and hope to dodge hail (good luck). Or you can pay +/- $35,000 once and have your roof paying you back in reduced insurance premiums, less deductible expenses, and peace of mind for the next few decades.
How Homeowners Offset Costs Using Insurance Claims
Here’s the move a lot of Kansas City and Topeka homeowners make:
When your insurance approves $15,000 – $20,000 or so for your damaged roof, you apply that payout toward Euroshield. Then, you either finance or cash-flow the difference.
You’re only paying the upgrade cost out of pocket, not the full roof replacement.
Some contractors even offer financing plans that make the payment lower than the monthly premium savings you’d get from installing a Class 4 roof. It’s basically letting your insurance check help buy you a lifetime roof. With platforms like Finturf, Greensky, and Momnt, you can expect to pay $140 – $200/mo per $10,000 spent. Ask your agent what savings a Euroshield rubber would get you on your premiums, as that would be savings against monthly expense of Euroshield.
Our customer Katrina in Bonner Springs had her insurance pay for roof, siding, gutters, and garage doors! She was able to upgrade to Euroshield for less than $250/mo, and now has a home exterior that was updated from 3 tab shingles and yellow aluminum siding – to Beaumont shake Euroshield and Mountain Sage Hardie board. Built to last!
Is Euroshield Right for You?
If you’re living in hail alley — Kansas City, Bonner Springs, Topeka, Lawrence, Leavenworth, Manhattan or any of those great small towns between — and you’re planning to stick around, Euroshield is one of the smartest home investments you can make.
Quick gut check:
- Staying put at least 10-15 years? Worth it.
- Worried about rising deductibles and ACV policies? Future-proof it.
- Tired of “hail resistant” shingles that still fail? Step up.
- Care about recycling and sustainability? You’re covered.
- Want a house that looks like a beautiful cedar without the major upkeep? Nailed it.
Got hit by last year’s storms?
This could be the perfect time to turn a bad situation into an opportunity you’ll be grateful for, every time a hailstorm rolls through.
Want to learn more about Euroshield rubber roofing for your Kansas City, Bonner Springs, or Topeka home? Talk to a qualified contractor who knows the options and can help you decide if a hail-proof roof is right for you.