When hail meets metal: a suburban legend

That “cosmetic only” thing bugs me too. I’ve seen plenty of metal roofs where dents eventually led to rust or the paint started to chip, especially if the protective coating got compromised. Even if it’s not leaking now, a seam pulling up is worth keeping an eye on. I always tell folks after a big hailstorm, get someone who knows metal roofs to check for hidden damage—sometimes the issues show up months later. Insurance not covering inspections feels like they’re just hoping you won’t notice until it’s a bigger claim...