That’s a smart move, keeping track of every conversation with the adjuster—it’s wild how details can get lost in the shuffle. I’ve seen “cosmetic” decisions turn into big headaches for folks with standing seam metal roofs, especially when it comes to hail dings that don’t leak but still look terrible. You’re right about waiting for a reputable crew, even if it means tarping things for a bit. Rushing into repairs can sometimes cost more in the long run. Sounds like you really helped your neighbor weather the storm, literally and figuratively.
I’ve seen “cosmetic” decisions turn into big headaches for folks with standing seam metal roofs, especially when it comes to hail dings that don’t leak but still look terrible.
That’s the part that gets me—insurance calls it “cosmetic,” but if your roof looks trashed, it can hurt resale or just bug you every time you pull in the driveway. Has anyone here had luck getting those kinds of damages covered, or is it always out of pocket? I wonder if certain roofing materials get dinged more often (no pun intended) or if it’s just the luck of the draw.
Funny you mention that—my neighbor’s standing seam roof got peppered with hail last spring. Didn’t leak, but looked like someone took a baseball bat to it. Insurance said “cosmetic only” and wouldn’t touch it. He tried arguing about resale value, but no dice. Meanwhile, my asphalt shingles got replaced for free since they were “functionally compromised.” Seems like metal takes the hits better structurally, but you’re stuck staring at the dents unless you want to pay out of pocket. Not sure if I’d call that lucky or not...
That’s a classic insurance move—if it doesn’t leak, they call it “character.” I’ve seen a lot of metal roofs after hail storms, and structurally they’re usually fine, but the dents can be an eyesore, especially if you care about curb appeal or resale. Asphalt shingles are definitely more likely to get replaced since they lose granules or crack. It’s kind of a trade-off: metal lasts longer but you might end up with a roof that looks like a golf ball... unless you want to shell out for cosmetic fixes. Not always the win folks expect.
That’s a fair point about metal roofs—people always talk about how tough they are, but nobody mentions the cosmetic stuff. I’ve seen hail leave some pretty wild dents, and insurance just shrugs if there’s no leak. Do you think it’s worth paying extra for those “impact resistant” panels, or is it mostly marketing? I get why folks stick with shingles even if they don’t last as long... at least you know what you’re getting into.
