- Definitely agree, metal roofs can seem pricey up front, but the long-term benefits usually win out for folks who plan to stay put.
- Insurance discounts are a nice surprise—I've seen people get anywhere from 5% to 20% off, depending on the insurer and the panel rating. Sometimes you gotta push them for it, though.
- One thing folks don’t always consider: metal sheds snow better, which is a big deal if you’re in the Midwest or up north. Less ice damming, fewer leaks.
- Only downside I’ve run into is some folks don’t love the sound when it rains hard. Personally, I think it’s kind of relaxing, but not everyone agrees.
- If you’re thinking about resale value, some buyers do see metal as a plus now—wasn’t always the case, but things are changing.
I get the hype around metal roofs, but I’m still a little on the fence. We looked into it last year when our old asphalt shingles started curling up, and the quotes were way higher than I expected—like, double. I know you get the longevity and all, but if you’re not planning to stay in the house for decades, I’m not sure the math works out. Plus, in my area (southern Indiana), not every insurance company was that generous with discounts. Ours only knocked off about 7%, which barely made a dent.
And about the snow thing—I totally get that’s a big plus up north, but down here, we just don’t get enough snow for it to matter much. What did bug me was the noise. We stayed at a cabin with a metal roof during a storm, and it was LOUD. Maybe you get used to it, but I couldn’t sleep at all.
I guess it depends on where you live and how long you’re sticking around. For us, we ended up patching the old roof one more time... kicking the can down the road, I guess.
For us, we ended up patching the old roof one more time... kicking the can down the road, I guess.
Honestly, I get where you’re coming from. Metal roofs sound great on paper, but when you see that price tag, it’s a gut check—especially if you’re not planning to stick around for 30+ years. The noise thing is real too. I worked on a buddy’s place with a metal roof and during a rainstorm, it was like living inside a drum. Some folks swear by them, but for southern Indiana? I’d probably do the same as you and patch it until it’s really time to replace. Not sure the insurance savings are worth the upfront pain.
I hear you on the metal roof noise. Had one customer swap out after a few years because they just couldn’t sleep through storms anymore. I’ve patched my own shingle roof a couple times—way cheaper, especially if you don’t mind a ladder. Insurance gave me a tiny break after an inspection, but not enough to justify a full replacement yet. Sometimes it pays just to keep patching until you really can’t anymore.
Insurance gave me a tiny break after an inspection, but not enough to justify a full replacement yet. Sometimes it pays just to keep patching until you really can’t anymore.
That’s pretty common, honestly. I’ve seen folks get excited about the idea of lower premiums, but the actual savings rarely offset the cost of a new roof unless you’re already due for one. Patching makes sense if you’re comfortable with it and the leaks aren’t getting out of hand. Metal roofs are great for longevity, but yeah, the noise during storms can be a dealbreaker for some. It’s always a balance between cost, comfort, and peace of mind.
