"Metal usually gives you a stronger position, but it definitely doesn't make you bulletproof...just gotta stay persistent."
Haha, true enough—but is metal really always the stronger play with insurance? I've had adjusters nitpick metal roofs to death, claiming dents are purely cosmetic and don't affect performance. Ever tried convincing an adjuster that a golf-ball-sized hail dent is structural? Good luck with that one... Asphalt might not be flashy, but sometimes it's easier to prove actual damage. Anyone else had better luck with metal?
Yeah, metal roofs can be tricky with insurance. Had one adjuster tell me dents were "character marks," like my roof needed personality, lol. Asphalt's boring, but at least adjusters don't argue aesthetics as much...
Just went through this myself—metal roof looked cool, but insurance was a headache. Asphalt shingles aren't exciting, true, but claims seem smoother. Less hassle is a win in my book...especially as a first-timer.
I get where you're coming from, asphalt shingles do seem simpler insurance-wise. But honestly, after seeing my neighbor's asphalt roof get shredded in a hailstorm last year, I'm leaning toward metal. Sure, the claims might be trickier initially, but metal roofs seem to hold up way better in rough weather. I'd rather deal with a bit of upfront hassle than have to go through multiple claims down the road...especially since I'm new to all this too and don't wanna keep worrying about storm season every year.
That's a fair point—metal roofs definitely hold up better in hailstorms. But have you checked with your insurance company yet about any discounts or incentives they might offer for metal roofing? I've seen some homeowners surprised by the savings they get on premiums, which can offset that initial hassle you're worried about. Might be worth a quick call to see if it sweetens the deal...
