Same thing happened when I replaced my old three-tab shingles with a new metal roof. The upfront cost was rough, but my insurance premium dropped more than I expected. Plus, not having to worry about leaks every storm has been a relief. Sometimes it pays to just bite the bullet.
The upfront cost was rough, but my insurance premium dropped more than I expected. Plus, not having to worry about leaks every storm has been a relief.
That’s pretty much what I’ve seen too. Metal roofs are a big investment up front, but the long-term savings and peace of mind are hard to beat. Insurance companies really do factor in the lower risk of fire and storm damage with metal, so the premium drop makes sense. I’ve noticed some folks don’t realize how much less maintenance is involved, either—no more replacing blown-off shingles after every windstorm.
One thing I’d add, though, is that installation quality matters a ton. I’ve seen a few metal roofs leak because the flashing wasn’t done right, especially around chimneys or valleys. If you’re paying that much, it’s worth double-checking the details. But yeah, not stressing every time it rains is a huge plus.
Had a similar experience after switching a couple of my properties to metal. The insurance savings were bigger than I expected, but I did run into issues with one install—poor flashing around a vent caused a slow leak. It’s true, the details matter. Maintenance has been way easier overall, though. Not having to chase down missing shingles after every storm is a relief.
Metal roofs are a game changer, but yeah, the install details can bite you if you’re not careful. I had a similar leak—installer missed sealing around a skylight and it took me weeks to figure out where the water was coming from. Still, I’d take that over replacing blown-off shingles every spring. Insurance savings were a nice bonus, but honestly, just not having to climb up there after every windstorm is worth it for me.
Yeah, metal’s a big upgrade, but you really do have to watch the details—flashing, sealant, all that. I’ve seen a lot of folks get tripped up by skylights and chimneys, especially if the installer’s in a hurry. Still, way less hassle than chasing after loose shingles every time the wind picks up. The insurance break is nice, but honestly, I tell people peace of mind is the real win.
