Funny thing, my neighbor went with metal too, and he swears by it for the storms, but complains about the noise every time it rains. Personally, I’ll take a little racket over another insurance claim any day.
That’s exactly what my cousin said after switching to metal—he jokes that it’s like living inside a drum set during a thunderstorm, but he hasn’t had to mess with repairs since. I get the appeal. I went a different route and tried out those “cool roof” shingles last year (the ones that supposedly reflect more sunlight). The insurance savings were barely noticeable for me too, but I did see a drop in my summer AC bill, which was a nice surprise.
Honestly, I wonder if insurance companies just don’t care much unless you’re going from something ancient to brand new. The peace of mind is real though. After dealing with a nasty leak that ruined half my living room ceiling, I’d pay extra just to avoid that headache again. Still, it’s wild how much we shell out for upgrades and the insurance folks barely blink. Maybe they’re just waiting for us to go full solar roof before they give us a real break...
- Totally get what you’re saying about peace of mind.
- After my last leak, I didn’t care if the new roof made a difference on insurance—I just wanted to sleep through a storm without stressing.
- Insurance barely budged for me too, but honestly, the lower AC bill and not having buckets everywhere? Worth it.
- Metal roofs are noisy, sure, but I’d rather hear rain than deal with water damage again.
- Sometimes it feels like insurance only cares if you go from a disaster to decent, not decent to great... but hey, at least you know your ceiling’s safe.
Insurance barely moved for me either, even after a full tear-off and new shingles. Honestly, I think they only care if you go from “about to collapse” to “barely passable.” Still, not having to chase leaks every time it rains is worth more than a few bucks off the premium. Did anyone actually see a big drop in their bill after upgrading, or is that just marketing hype?
Still, not having to chase leaks every time it rains is worth more than a few bucks off the premium.
Totally agree with this. I was hoping for a bigger discount after my new roof too, but honestly, peace of mind is huge. The marketing definitely made it sound like I’d save more. Maybe it depends on the state or even the adjuster you get? Either way, not stressing every storm is worth it.
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peace of mind is huge
Totally. I was low-key hoping for a bigger drop in my premium too, but I guess “new roof” isn’t the golden ticket the ads make it sound like.
- My adjuster basically shrugged and said, “Yeah, it helps... but not THAT much.”
- Still, not having buckets in the hallway every time it pours? Worth every penny.
- On the bright side, my attic finally smells normal again.
- Maybe next time I’ll try negotiating harder—or just move to a state where insurance companies actually care about roofs.
