Had a similar situation pop up a couple years back, but honestly, having an independent adjuster didn't really swing things much. The insurer still stuck to their "cosmetic" line because the roof wasn't leaking or structurally compromised. Seems like some insurers just have stricter guidelines for metal roofs—maybe because they're pricier to replace? Asphalt might be easier to claim damage on, but then again, it doesn't hold up as well long-term... trade-offs, I guess.
Had a similar run-in with insurers and metal roofs myself. A few years ago, we had hail damage on two properties—one asphalt, one metal. Asphalt got approved pretty quickly, but the metal roof was a whole different story. They kept saying it was just cosmetic, even though you could clearly see dents everywhere. Seems like insurers really dig their heels in when it comes to pricier materials. Frustrating for sure, but you're definitely not alone in this...
Went through something similar a while back. Had asphalt shingles and got approved no problem, but when we switched to metal, our insurer suddenly got picky. Honestly, metal roofs are great for durability and longevity, but insurers tend to label dents as "cosmetic" damage to avoid payouts. If you're budget-conscious and insurance claims are a big concern, asphalt might be less hassle overall. Metal's nice, but if you're in a hail-prone area...might wanna weigh the insurance headache factor into your decision.
Just bought my first home last year, and I'm honestly still figuring out the insurance maze myself. But reading your experience makes me wonder—is it common for insurers to nitpick metal roofs like that? I'd always heard metal was the way to go for durability, but if they're calling dents "cosmetic," that's a real bummer. Did you have to fight with your insurer much when you switched, or was it just a straight-up denial?
I'm in an area that gets pretty regular hailstorms, so now I'm second-guessing my plan to upgrade to metal down the line. Maybe asphalt shingles aren't as fancy, but if they save me from insurance headaches and hassle, seems like a fair trade-off. Anyway, appreciate you sharing your experience—definitely gives me something extra to think about.
Metal roofs definitely have their perks, but insurance claims can get tricky. I've seen insurers label hail dents as "cosmetic damage" pretty often, especially if the roof isn't leaking or structurally compromised. Basically, if the damage doesn't directly affect the roof's function, insurers might push back on covering repairs or replacements. Asphalt shingles, on the other hand, show hail damage more clearly—granule loss, bruising, cracks—so it's easier to prove a claim.
That said, metal roofs still hold up better overall against severe storms. You might not even need to file a claim as often since they're tougher. But when you do... yeah, expect some pushback. One thing you could do is check with your insurer ahead of time about their stance on cosmetic exclusions for metal roofs. Policies vary widely, and some companies offer endorsements specifically covering cosmetic damage.
Curious if anyone here has had luck negotiating coverage for cosmetic dents on metal roofs? Seems like some insurers might budge if you push hard enough.
