Thinking about redoing our roof soon and I'm kinda torn between asphalt shingles and metal roofing. Heard that insurance companies might treat them differently when it comes to coverage for damage like hail or windstorms. Asphalt seems cheaper up front but metal might be better long-term, you know, durability-wise... Anyone have experience with how insurance handled claims on either one? Curious what you all prefer and why.
I've heard similar things about insurance treating metal roofs a bit differently—usually better rates or deductibles because they're tougher against hail and wind. Good on you for thinking long-term durability... have you looked into recycled metal options? Could be a win-win environmentally and financially.
Interesting points about recycled metal, but wouldn't insurance companies still factor in the specific type and gauge of metal used? I mean, recycled metal sounds great environmentally, but does it always meet the same durability standards insurers look for? I've seen some recycled options that seemed thinner or had mixed alloys—couldn't that affect how insurers view them regarding hail or wind resistance...? Just something to double-check before diving in.
"I've seen some recycled options that seemed thinner or had mixed alloys—couldn't that affect how insurers view them regarding hail or wind resistance...?"
Yeah, that's a good point. I think insurers definitely pay attention to specifics like metal gauge and alloy type. From what I've seen, recycled metal roofing can vary a lot—some products are just as sturdy as new metal, while others might skimp a bit on thickness or consistency. I remember helping a neighbor install a recycled metal roof last summer, and honestly, it felt just as solid as any brand-new material I've handled. But then again, I've also come across some pretty flimsy recycled panels at the hardware store.
My guess is insurers probably care less about whether it's recycled and more about the actual specs and ratings. If the recycled stuff meets the same ASTM standards or has the right hail-resistant rating, I doubt they'd penalize you just because it's eco-friendly. But yeah, it's definitely worth double-checking the exact product specs before committing—insurance companies love their fine print, after all...
Good points about recycled metal. When we replaced ours, the insurer specifically asked for the UL rating and gauge thickness. Asphalt was cheaper initially, but metal got us a decent discount on premiums...worth factoring into the math, IMO.
