That lines up with what I’ve seen, too. It’s kind of wild how little attention metal roofs get from most insurers, considering how well they hold up in storms. I remember after a hailstorm a few years back, we had to replace a bunch of asphalt shingles on one property, but the metal roof next door didn’t even have a scratch. Still, when it came time to renew, the premium barely budged for the metal one.
Impact-resistant shingles are a different story, though. I’ve had a couple clients swap to those, and the insurance company actually knocked a decent chunk off their bill. Not huge, but enough to notice. It’s frustrating because you’d think investing in a longer-lasting, tougher roof would matter more, but it seems like unless it’s a specific shingle rating, they just don’t care.
Hang in there—it’s not just you running into this. Sometimes I wonder if the folks setting these rates have ever actually seen storm damage up close...
- Gotta push back a bit—I've actually seen some insurers give credits for metal, but only if you really press them and provide all the docs.
-
“unless it’s a specific shingle rating, they just don’t care.”
- In my area (Midwest), some companies are starting to care more about metal, but it’s hit or miss.
- Maybe it’s a regional thing? Or just depends who you get on the phone.
- Either way, it’s weird how inconsistent it is.
I get what you’re saying, but I’ve actually had a different experience. When I switched to metal, my insurer barely blinked—no credit, even after submitting photos and receipts. Maybe it’s more about the age of the roof or storm history in your area? I’d love to see some consistency, honestly... it feels like a toss-up every time.
- Seen this a lot—insurance companies can be all over the place with metal roofs.
- Sometimes it’s the roof age, but storm history and even zip code matter more than folks realize.
- Had a customer in a hail-prone area get zero discount, while another just a few miles away got a nice break.
- Frustrating, for sure... I wish there was some kind of standard too.
- If you’re not seeing credit, sometimes it helps to ask your agent directly about their criteria—they don’t always volunteer info unless you push a bit.
It really is wild how much the zip code can swing things. I’m in central Oklahoma, and my neighbor and I both have metal roofs—installed the same year, same contractor, even the same color. My renewal came with a 15% discount after I sent in the inspection report, but my neighbor got nothing. Only difference is she’s technically in a different zip, even though we’re less than a mile apart. When I pressed my agent, they mentioned “historical hail claims” as the reason, but it feels a little arbitrary sometimes.
I wonder if it’s worth shopping around every couple years, or if most insurers are pulling from the same risk data anyway... Has anyone actually switched companies and seen a big difference? Or is it just moving the goalposts? Sometimes I feel like I’m playing insurance roulette over here.
