I've been through the hail claim process with a metal roof, and honestly, it's not always as smooth as some folks make it sound. Insurance did send someone out pretty quickly, but I still took a bunch of photos myself beforehand—just to cover my bases. Glad I did, because their adjuster initially missed a few dents that were pretty obvious to me. Had to point them out and show my own pics to get them included.
Also, keep in mind that metal roofs can sometimes show cosmetic damage more clearly than asphalt shingles. Insurance companies might push back a bit on purely cosmetic stuff, depending on your policy. So yeah, metal roofs are durable and all, but don't assume the claims process will automatically be easier or quicker. It's still insurance we're talking about here...
Had a similar experience with asphalt shingles after a big storm. Adjuster came out quick enough, but tried to chalk up some obvious hail damage to "normal wear." Had to push back with my own pics too... seems like insurance hassles happen no matter what roof you have.
Yeah, seems like insurance adjusters always start with the "wear and tear" line first. Had a similar issue when wind knocked off a few shingles—had clear before-and-after photos, but still had to argue my case. Heard metal roofs might hold up better in storms, but honestly, insurance companies will probably find some loophole either way. Guess it's just part of the homeowner learning curve...
Metal roofs definitely hold up better overall, but honestly, insurance adjusters can still find ways to argue. Had a client once with a metal roof damaged by hail, and the adjuster tried to claim it was just cosmetic damage—no structural issues. Took some back-and-forth, but eventually they covered it. Point is, metal isn't foolproof either, though it usually makes your case stronger. Still gotta be ready for a bit of pushback...
Yeah, totally get what you're saying. Adjusters can be tricky sometimes—seen them argue cosmetic vs structural damage on asphalt roofs too. Metal usually gives you a stronger position, but it definitely doesn't make you bulletproof...just gotta stay persistent.
