Yeah, insurers definitely play the "cosmetic damage" card a lot with metal roofs. I've seen cases where homeowners pushed back successfully, but usually only if they had solid documentation—like before-and-after photos or inspection reports clearly showing the hail impact. Honestly though, even with the hassle, I'd still lean toward metal. Fewer claims overall means less headache in the long run... just gotta be prepared for a bit of a fight when you do file.
Yeah, totally agree on the documentation part—seen plenty of homeowners get stuck without solid proof. One thing I'd add is that metal roofs tend to hold up better structurally, even if insurers nitpick about cosmetic stuff. I've inspected homes after big storms where asphalt shingles were completely shredded, while metal roofs nearby just had minor dents. Sure, you might have to argue a bit with insurance, but at least you're not dealing with leaks or major structural issues right away... trade-offs, I guess.
Yeah, metal roofs are pretty solid structurally, no argument there. But honestly, insurers can be a real pain about those little dents...had a homeowner once whose insurance tried to call hail dents "normal wear and tear." Like seriously? Still beats leaks though, I guess.
Totally agree on insurers being picky about dents. Just went through this myself—here's what I learned: document everything right after a storm hits, photos, dates, even weather reports. Saved me from the "wear and tear" argument...mostly. Still had to push back a bit though.
"document everything right after a storm hits, photos, dates, even weather reports."
Good advice there. Had a similar experience last spring—hailstorm left my asphalt roof looking like a golf ball. Took all the photos, noted the exact time and weather details...and still got pushback from insurance claiming "normal aging." Makes me wonder, would a metal roof really fare any better with claims? Or are insurers just gonna find another loophole to dodge coverage regardless of material? Seems like they're always one step ahead.
