Makes you question what you’re really paying for sometimes.
Totally get that. I’ve seen folks pay into insurance for decades, then when the roof gets wrecked, they’re offered barely enough for a patch job. Metal roofs do cost more up front, but I always tell people—think of it like buying peace of mind. As for the noise, some insulation under the panels can really help, but yeah, it’s not for everyone.
Metal roofs do cost more up front, but I always tell people—think of it like buying peace of mind.
I get where you’re coming from, but metal isn’t the only way to go. I’ve seen good-quality architectural shingles hold up just fine through some nasty storms, especially if they’re installed right. Definitely agree on the insurance frustration though. Sometimes folks expect a full replacement and get lowballed, but not every insurer is the same. It really pays to read the fine print before disaster hits.
I’ve seen good-quality architectural shingles hold up just fine through some nasty storms, especially if they’re installed right.
That’s been my experience too—my uncle’s place had architectural shingles and after a big hailstorm last year, only a handful needed replacing. The neighbors with older 3-tabs weren’t so lucky. Insurance covered most of it, but the deductible still stung. Curious if anyone’s had luck negotiating with their adjuster? I’ve heard stories both ways, but haven’t tried it myself.
That lines up with what I’ve seen—architectural shingles tend to take a beating a lot better than the old 3-tabs, especially if they’re nailed down right and the decking’s solid. I’ve inspected a few roofs after hailstorms where the difference was night and day. Sometimes you’ll see just a couple of bruised or cracked shingles on the newer roofs, but the older 3-tabs can look like Swiss cheese.
On the insurance side, it’s kind of a mixed bag. Some adjusters are pretty by-the-book, but I’ve seen homeowners get a bit more covered if they can show detailed photos, maintenance records, or even get a contractor to walk the roof with the adjuster. It’s not always a guarantee, but documentation seems to help. One thing I’d watch for—sometimes the initial payout doesn’t cover code upgrades (like ice & water shield or drip edge), so folks end up paying out of pocket unless they push for it.
Curious if anyone’s had issues with matching shingles after a partial replacement? That’s come up a lot lately, especially with discontinued colors.
Matching shingles after a partial replacement can be a real headache, but I’ve actually had some luck with color blends or using leftover bundles from the original install—if you can track them down. Sometimes, though, insurance will cover a full slope if there’s no reasonable match available, but you’ve gotta push for it and show the adjuster the difference. It’s not always cut and dry. I wouldn’t say documentation always tips the scales either; I’ve seen folks with perfect records still get lowballed. Just depends who you get on the other end, honestly.
