I've dealt with both types over the years, and honestly, insurers seem quicker to approve asphalt shingles since damage is usually obvious. Metal roofs can be trickier—had one adjuster swear dents were just "cosmetic," took a ton of documentation to convince them otherwise.
Had a similar experience with my metal roof after a hailstorm. Adjuster kept insisting the dents were just cosmetic... ended up taking close-up photos and even a short video showing water pooling in the dents. Eventually got approved, but asphalt shingles were definitely easier.
Went through something similar last year when hail hit our neighborhood. Metal roof looked fine at first glance, but the adjuster was pretty dismissive about the dents too. I ended up marking the dented areas with chalk, snapping detailed pics from different angles, and even waited for a rainy day to capture water pooling. Took some patience, but insurance finally came around. Asphalt shingles were definitely less hassle in my previous home—just snapped a few quick pics and done. Metal roofs are great, but insurance-wise...they can test your patience a bit.
Had a similar experience with metal roofing after a storm—adjuster barely glanced at it. Did you find marking dents with chalk made a noticeable difference in their attitude, or was it mostly the rainy-day pics that convinced them? Curious what tipped the scales...
When we had hail damage last spring, I marked the dents with chalk too—honestly, it seemed to help the adjuster focus a bit more. But what really got their attention were the close-up pics showing water pooling... visuals definitely made the difference in our case.
