"Metal roofs, dents or not, usually have clearer criteria for structural integrity."
Yeah, that's a solid point. I've seen similar things in my experience—metal roofs do tend to simplify the claims process a bit. With asphalt shingles, insurers often pull the "wear and tear" card, even when it's clearly storm damage. Had a client once whose shingles were only about 8 years old, and the insurer still argued they were "near end-of-life." Seriously? Metal roofs at least give you a clearer line between cosmetic and structural damage, which can help avoid some of those frustrating back-and-forths.
Still, every insurer is different, and I've seen some pretty stubborn adjusters even with metal roofs. But overall, I'd say your observation holds true more often than not. Good to hear someone else noticing the same thing—makes me feel less crazy, haha.
"insurers often pull the 'wear and tear' card, even when it's clearly storm damage."
Ha, tell me about it. Had a case last year where the adjuster insisted hail dents on a metal roof were "purely cosmetic"...until we showed pics of actual seam splits. Suddenly, they changed their tune. Go figure.
Metal roofs definitely have their perks, but honestly, asphalt shingles can sometimes make insurance claims smoother. With metal, adjusters often argue about cosmetic vs structural damage—like your hail dents scenario. Asphalt shingles usually show clear bruising or granule loss after storms, making it harder for insurers to dismiss as wear and tear. Not saying metal isn't great (it lasts forever!), but from a purely claims perspective, asphalt might save you some headaches down the road...
"With metal, adjusters often argue about cosmetic vs structural damage—like your hail dents scenario."
Fair point, but honestly, both asphalt and metal have their quirks when it comes to claims. Asphalt shingles might make damage obvious, sure...but insurers can still drag their feet over "pre-existing wear." I've seen it happen. Personally, I'd say consider green roofing options too—insurance companies are slowly catching up, and hey, at least plants don't dent in hailstorms (usually). Just food for thought...
"Personally, I'd say consider green roofing options too—insurance companies are slowly catching up..."
Interesting point about green roofs, but maintenance can be pretty demanding. Anyone have experience with how insurers handle claims related to leaks or moisture issues from plant-based roofing setups? Seems tricky...
