"Might depend heavily on your provider though..."
That's definitely true—insurance providers vary widely in how they handle roof claims, especially when it comes to materials. From my experience, metal roofs generally fare better in storm conditions, leading insurers to view them favorably due to their durability and resistance to hail or wind damage. Asphalt shingles, while cheaper upfront, often result in more frequent claims and can sometimes trigger higher deductibles or stricter policy terms. Always worth checking the fine print on your policy before deciding...
Good points, but have you checked if your insurer gives discounts for metal roofs? Mine actually knocked a bit off my premium after I switched. Might be worth asking your provider directly—could save you some headaches later.
"Mine actually knocked a bit off my premium after I switched."
That's interesting... but have you considered repair costs down the line? Metal roofs can be pricier to fix if something does happen. Might offset any insurance savings, depending on your area and weather. Just something to think about.
That's a fair point about metal roofs potentially costing more to repair. A few years back, I worked with a homeowner who had switched to metal roofing after a hailstorm damaged their asphalt shingles. Initially, they saw a decent drop in their insurance premium too, which was great. But then we had another big storm roll through about two years later—nothing catastrophic, but enough to dent and scratch the metal panels pretty noticeably.
The repairs ended up being pricier than they'd anticipated because matching the exact color and style of metal panels was tricky (especially since manufacturers sometimes discontinue certain colors or finishes). On the flip side though, I've also seen metal roofs hold up incredibly well in severe weather, so it's really a trade-off. If your area is prone to frequent storms or hail, it might be worth weighing those potential repair costs against the durability factor. Just something from my experience to consider...
Interesting perspective, but honestly, I've found the opposite to be true in my experience. Had asphalt shingles on my last house, and after a couple of hailstorms, the insurance company started getting picky about coverage. They kept pointing out "pre-existing wear" and "age-related deterioration," which made claims a headache. Switched to metal roofing about five years ago, and while I agree repairs can be pricier if you need them, I haven't had to deal with repairs at all yet—even after some pretty nasty storms.
I think the key is choosing the right type of metal roof. Standing seam panels, for example, seem way tougher than the thinner, more decorative metal shingles. Sure, they're pricier upfront, but the durability and fewer insurance hassles have been worth it for me. Matching colors can be tricky, yeah, but honestly, asphalt shingles fade and discolor too, so it's not like they're always easy to match either. Just my two cents...
