I've noticed asphalt shingles tend to be a bit more straightforward—probably because adjusters see them all the time. Metal roofs, though... seems like every dent sparks a debate about "cosmetic vs functional" damage. Makes me wonder if adjusters secretly dread metal roof claims, haha.
Haha, I bet you're onto something there—adjusters probably see a metal roof claim pop up and think, "here we go again..." From my experience, asphalt shingles do seem easier to navigate because the damage is usually clear-cut. But with metal roofs, it's all about proving functionality vs. looks. If you're ever dealing with this, I'd recommend documenting thoroughly—clear photos, notes on leaks or rust spots, and even a quick video walkthrough can really help clarify things for the adjuster. Good luck!
Good points there—I went through this last year with a metal roof claim. Adjuster seemed skeptical at first, but once I handed over detailed photos and a short video showing leaks during rain, it made a huge difference. Definitely agree that asphalt is usually simpler, but don't get discouraged if you're dealing with metal... being thorough really can pay off. You've got this!
Had a similar experience a couple years back with a commercial property—metal roof as well. Initially, the adjuster was pretty dismissive about the damage, suggesting it was just cosmetic. But once we provided thermal imaging that clearly showed moisture penetration underneath, their attitude shifted noticeably. Still, in my experience asphalt claims tend to move quicker without needing specialized evidence. Metal roofs can definitely pay off in durability, but insurance-wise they often require more legwork and patience... something to keep in mind.
- Good points, but metal roofs aren't always tougher insurance-wise.
- Proper installation docs and regular maintenance records can smooth things out.
- Thermal imaging helps, but proactive inspections beforehand save headaches later... learned that the hard way.
