I’ve managed a few properties with metal roofs, and honestly, insurance hasn’t really gone up for us—if anything, some carriers gave a small discount because of the fire resistance. But I’ve heard it can depend on your zip code and even the specific insurer. The upfront cost is rough, but after dealing with shingle repairs every storm season, I’d say metal’s saved me more headaches (and cash) in the long run. Noise isn’t bad unless you’re in an attic room during hail... then it’s like living inside a drum set.
Interesting—I've actually seen the opposite with a couple of my clients in hail-prone areas. Their insurance premiums jumped after switching to metal, supposedly because of the higher replacement cost if it gets dented up. But then, I know other folks who got discounts for fire resistance, like you mentioned. Makes me wonder how much is just down to the adjuster or the specific underwriter.
Did you have to get any special inspections or certifications for your metal roofs? Some carriers around here ask for wind uplift ratings or even a specific installation method before they'll give a break on rates. Also, have you noticed any issues with expansion/contraction noise in extreme temps? One homeowner told me their roof popped and creaked like crazy during cold snaps, but maybe that's just a quirk of certain panels or fasteners.
I totally get the headache of shingle repairs after every storm. Still, I’m curious—have you had to deal with any warranty claims on the metal yet? I’ve heard mixed stories about how easy those are to navigate.
Did you have to get any special inspections or certifications for your metal roofs? Some carriers around here ask for wind uplift ratings or even a specific installation method before they'll give a break on rates.
That’s interesting, because my insurance actually went up a bit after switching to metal, too. I was hoping for a discount, but they said the replacement cost was higher and they wanted proof it met some wind rating. Ended up having to get the installer to send over extra paperwork—kind of a pain, honestly. Didn’t need a separate inspection, but I’ve heard some neighbors did.
About the noise, yeah, there’s definitely some popping when it gets super cold. It’s not constant, but you notice it at night during those big temp swings. Doesn’t bother me much, but my partner hates it.
No warranty claims yet (knock on wood), but I’m keeping all the paperwork just in case. I’ve heard mixed things about how easy those are to use—some folks say it’s straightforward, others got stuck in endless back-and-forth with the manufacturer. Makes me wonder if shingles would’ve been less hassle overall... but then again, I was tired of patching them every spring.
That wind uplift paperwork is no joke—seen a bunch of folks get tripped up by that during inspections, especially if the installer didn’t document every step. I always tell people: keep every scrap of paper, photos, even the leftover screws if you have ‘em. Insurance wants proof, not promises. The popping noises are pretty normal with metal; it’s expansion and contraction. If you’re sensitive to sound, shingles can definitely be quieter, but you trade that for more regular maintenance and patching, especially where winters are rough. It’s always a bit of a tradeoff, honestly.
Can’t argue with you about the paperwork—my inspector basically wanted a scrapbook of the whole install. I was so paranoid I kept the extra nails in a ziplock bag just in case. As for the noise, I was worried about metal too, but shingles aren’t exactly silent when it’s windy and raining... just a different kind of sound. I get the appeal of less maintenance, though. It really is picking your battles.
