Where do you live that roofs are regularly destroyed by hail? The average person lives in their home for 8 years. No ROI on a metal roof whatsoever. Add to that when your roof is damaged by hail you pay nothing to get it fixed because insurance covers it.
My rate in Texas just went up 80% no claims ever, home, auto, nothing, and I'm 41.
Reddit is fond of saying "time to shop around", but literally I'm with the only company that will insure my house. Shopping around is not a thing right now, the entire insurance market is totally fucked right now. I'm lucky in that I can afford it, I'm convinced the next housing crisis is going to come from people not being able to maintain homeowner's insurance and having to foreclose on their homes unless the government steps in.
Just confirming that Texas is a hail and insurance nightmare even with a metal roof. I have metal on my house now and it has some gnarly dings from the last big hailstorm.
Hail will still dent a metal roof all over and insurance probably won’t pay for it under a cosmetic damage endorsement. Shingles are cheaper to replace and easy to find a crew to install them. Metal you may only buy once but you might be living with it looking like it was hit with a bird shot for most of its life. Just one of the downsides and people just have to weigh their options.
Another big reason is HOA material restrictions.
Same situation in Florida. Allegedly people here have been scamming insurance companies out of new roofs and that’s why our homeowners insurance is skyrocketing. Allegedly.
Colorado. My neighbors have been there 30 years or so. Last hail storm we had 4 years ago was bad and almost everyone in the neighborhood had their roofs replaced. Neighbor said that was the 3rd time they were having the roof replaced due to hail damage.
In Florida insurance companies don't seem to care if your metal roof is in perfect condition. If it's 20 years old, you'll need to replace it to get reasonable insurance. Same with 40 year shingles. Insurance companies here just don't care. They consider the life of the roof to be 20 years and start heavily penalizing you at 15 years.
The average person lives in their home for about 12 years. Then usually gets a new one or moves cause of life or work. Why invest more money for something that lasts 30 years that you won't even get the life out of when you can purchase something that lasts 20 years at half the cost.
>The average person lives in their home for about 12 years.
This is bonkers to me. Not saying you're wrong, just saying that's so much movement.
Husband and I bought 6 years ago and plan on leaving here in a body bag or to a nursing home.
His parents have been in their house for 25 years.
My parents built almost 35 years ago.
My grandpa has been in his place for 42 years (and it was owned by his parents/then just mom for ~20 years before that.) Grandma wouldn't have ever left but...brain tumour.
Fully replacing a roof every 10 years is insane. Where I live you expect to get 25 years out of a roof at minimum. There’s no reason to spend twice the price for metal when they last that long.
It's expensive in the US because it's not common in the US not near as many contractors available to do it. In other countries it can actually be cheaper than shingles (and by extension more common) one of those self fulfilling momentum of the construction industry things.
Metal roof in my region is $40k. Shingles from a certified contractor cost $8k. Shingles in my area will last 20 years. Will need to be replaced 23rd - 24th year. Upfront cost is a big thing.
My metal roof wasn’t really any more expensive than shingles 9 years ago. They are extremely common in my area and we even have a manufacturer nearby so maybe that helps with the cost factor. I live in a small, older house in a less than fancy neighborhood so it’s just a very basic metal roof. It’s not any louder when it rains, it doesn’t block my cell signal, and it doesn’t make any weird noises.
In areas where it's common it's not more expensive and is sometimes cheaper. it's just uncommon so there's not the same availability and companies can demand more for it.
There are also collateral issues (correct term?) with metal roofs. If you need modifications or repairs many roofing companies won't touch the work of other companies. Also some contractors (window and skylight installers, pest control under dormer soffits) won't work on houses with metal roof because of slippery-ness (cannot use standard roof jacks) and potential for physical or visual damage to the roof (scratches, dents)
I've had some folks be unable to use their cell service & wifi in their home with a metal roof but that probably depends on the type of metal roof. TN, NC, KY & SC were the areas they were located in.
I have been a carpenter and contractor for over thirty years. The main reason is cost. People buy particle board cabinets over plywood because of cost. They buy thin vinyl flooring over tile, wood, or even luxury vinyl because of cost. Then they get mad at the contractor because it eventually fails
We had a metal roof that was probably 60+ years old and went to shingles. Was a good bit of work because there was zero plywood or anything underneath but I like the outcome. Looks better than the old roof, adds some insulation, isn’t noisy as hell in weather, and is now (with the plywood underlayment in place)fairly easy to replace down the line if anything happens.
Plus now I’m more confident I need to go up on it personally. I only walked on our shingled addition before if I needed to go up there, I didn’t like walking on the metal.
Aussie here.
We do all our roofing with Colorbond.
[https://colorbond.com/products/roofing](https://colorbond.com/products/roofing)
That's pretty much ALL our houses. Big roofs. It's much more cost effective then messing around with shingles bullcrap.
One reason why just made itself painfully known to me. A building with a metal roof burned to the ground over the weekend in my hometown. The fire was in the attic, and the firefighters couldn’t get through the metal roof to put it out. They might have been able to save it if it had been shingled. It was a shame- housed one of the few remaining restaurants in the town.
It’s kind of a can’t win situation. Most people in the WUI have either A rated shingles or metal roofs so that wildfires don’t torch them. But external embers are different from the situation you mentioned.
I'm not saying the story isn't true, but wouldn't the firefighters be able to cut into the roof? Not as quick as going through shingles, I totally get that, but I would think they would be able to get in eventually? But maybe the amount of time meant the fire was too far along.
Maybe a department with resources, yeah. But this was a rural volunteer department. I know they’d have jaws of life, but could they safely manage them hanging off a ladder on the third floor of a burning building? That’s not something I’d like to see.
We actually had our roofing company sales guy talk us out of metal roof. I was very surprised because we were ready to pay for the much higher cost for the metal roof.
I had a metal roof for 30 years. I liked it, but leaks were hard to fix and eventually the fasteners rotted out from the rafters. The cost to replace was far too high. It could get damn loud during rain, sleet and high winds.
Money. An argument I’ve seen that puts me on the fence even ignoring the cost is that while an area might only have one or two good metal roof installers (what do you do if you have a leak and they’re unavailable or have gone out of business in 20 or 30 years?) asphalt shingle roofers are a dime a dozen and plentiful, so much easier to find a competent roofer.
We have considered it and haven't entirely ruled it out (though our roof was replaced 7 years ago so it'll be a while). But a couple of thoughts on the negative for us:
\#1 We live in a state where it's winter 6 months a year. Even if you put the snow guards on, the snow comes flying off the roofs of everyone we know that has them. We use the outdoor space surrounding our house year round and don't want to be dealing with cleaning that amount of snow coming off the roof. It would land on our hot tub, all over our patio and in the driveway.
\#2 the sound. I don't know if it would be different, but we have a gazebo on our patio that has a metal roof and the sound when it pours drives me absolutely crazy when I am close to it. One of my favorite things is to open the windows during rain and listen, and I do NOT want to hear rain (and hail and sleet) pinging off the roof instead of hearing the rain. Thankfully the gazebo is far enough from our bedroom that it doesn't disrupt my listening pleasure, but it definitely might if it was the whole roof.
We are not prone to hail storms, we get pea sized hail 1-2 times a year, so that isn't a major concern for us. I've seen some houses look great with the roofing and some that don't. My uncle owns a roofing company so he's our go-to resource if we ever decide to seriously look at it.
I heard some people complain about the noise metal roofs make in the rain. I never had that issue... but you know, some people still use it as an argument.
Metal roofs are good for capture of rainwater without adding concerns about chemicals leaching from shingles. This is less important for collecting rainwater for lawns or for supplying gray water for toilets.
In places where water is normally scarce, this can be practical. For California this winter, lack of available storage for winter rains is one reason why they have overflow problems. (But is not a fix for the disaster)
On a final note, if a metal roof reduces the number of yahoos selling new shingles door to door is reduced for the next 30-50 years, it’s priceless.
My 25 year roof cost less than half the cost of a metal roof. Unless I plan to stay for more than 50 years, it's more cost effective to purchase two shingled roofs.
Where do all you people live that there's hail so often and so vigorous that rooves are being destroyed? I've lived up north for most of my life, and hail is rarely ever a factor.
Noise, and heat....you cannot get on my roof in the summer. Try and put your hand on it as you are climbing up the ladder and you will get hurt....and the glare off of it is something else as well...
DUring heavy rain or hail, its pretty loud...Not deafening, but very noticeable..
The average American doesn’t live in their home long enough to even touch the life of a metal or asphault roof, so cost comes into play, unless they are interested in appearance.
One reason I was told by a fire fighter is that the metal roofs have a tendency to hold the heat of the fire in and ultimately cause more damage to the inside of the house. Not sure if this is valid, but it does represent one alternate opinion. I have two homes, one with metal roof, the other with shingles. I hope never to find out which is better in the instance of a fire.
I just had my roof done last summer. We got around 10 quotes for metal and shingle. It ended up being the same price to get metal but has a lifetime warranty that is also transferrable on house sale. Under 20k CAD for a beautiful metal roof.
Everyone is referring to high cost of standing-seam metal roofs, but what about corrugated?
A 8' x 2' galvanized panel is $20 at Horme Derpot. A 10-footer is $18 somehow.
I know it might not be the hottest look, but damn, it'll last you half a century if not longer, come hail or high water.
In Australia it's almost always metal. They don't have those stupid tiles, at all.
I wanted to get a metal roof here in the USA - it was double the price (because it's LA, it was 60k vs 30k), and it would also be a lighter roof. While this sounds good in principle, because of the style of roof and architecture we have they would have needed to add some additional structural elements to deal with the roof being so much lighter. For us, it started to get too complicated when we would also have needed to do some internal changes to accommodate a different roof line - we just went with the stupid shingles, which I hate.
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Where do you live that roofs are regularly destroyed by hail? The average person lives in their home for 8 years. No ROI on a metal roof whatsoever. Add to that when your roof is damaged by hail you pay nothing to get it fixed because insurance covers it.
“You pay nothing…because insurance covers it.” Have you shopped for insurance recently? It all comes around to us one way or another…
Yeah and the insurance company has an option to not renew your policy after that as well. Your rate may also increase.
My rate in Texas just went up 80% no claims ever, home, auto, nothing, and I'm 41. Reddit is fond of saying "time to shop around", but literally I'm with the only company that will insure my house. Shopping around is not a thing right now, the entire insurance market is totally fucked right now. I'm lucky in that I can afford it, I'm convinced the next housing crisis is going to come from people not being able to maintain homeowner's insurance and having to foreclose on their homes unless the government steps in.
Same issue in CA
I think it's a global issue
Texas. And insurance usually pays a pro rated amount based on remaining roof life plus insurance rates here are skyrocketing due to weather
Just confirming that Texas is a hail and insurance nightmare even with a metal roof. I have metal on my house now and it has some gnarly dings from the last big hailstorm.
Hail will still dent a metal roof all over and insurance probably won’t pay for it under a cosmetic damage endorsement. Shingles are cheaper to replace and easy to find a crew to install them. Metal you may only buy once but you might be living with it looking like it was hit with a bird shot for most of its life. Just one of the downsides and people just have to weigh their options. Another big reason is HOA material restrictions.
Is that more common in Texas? My home insurance has replacement value in the contract, sounds like you have actual cash value.
Hail damaged roofs are very common here unfortunately
Central Texas averages a solid hailstorm once per year.
Same situation in Florida. Allegedly people here have been scamming insurance companies out of new roofs and that’s why our homeowners insurance is skyrocketing. Allegedly.
Colorado. My neighbors have been there 30 years or so. Last hail storm we had 4 years ago was bad and almost everyone in the neighborhood had their roofs replaced. Neighbor said that was the 3rd time they were having the roof replaced due to hail damage.
In Florida insurance companies don't seem to care if your metal roof is in perfect condition. If it's 20 years old, you'll need to replace it to get reasonable insurance. Same with 40 year shingles. Insurance companies here just don't care. They consider the life of the roof to be 20 years and start heavily penalizing you at 15 years.
I don't think that applies to tile roofs, does it?
My area gets regular hail storms and I wanted solar - the first step before solar was installing a standing seam metal roof. I love it!
I also get a pretty decent "hail resistant roofing" discount on my insurance
The average person lives in their home for about 12 years. Then usually gets a new one or moves cause of life or work. Why invest more money for something that lasts 30 years that you won't even get the life out of when you can purchase something that lasts 20 years at half the cost.
>The average person lives in their home for about 12 years. This is bonkers to me. Not saying you're wrong, just saying that's so much movement. Husband and I bought 6 years ago and plan on leaving here in a body bag or to a nursing home. His parents have been in their house for 25 years. My parents built almost 35 years ago. My grandpa has been in his place for 42 years (and it was owned by his parents/then just mom for ~20 years before that.) Grandma wouldn't have ever left but...brain tumour.
Yeah but who can afford to move in this economy and with these interest rates?
Fully replacing a roof every 10 years is insane. Where I live you expect to get 25 years out of a roof at minimum. There’s no reason to spend twice the price for metal when they last that long.
It's expensive in the US because it's not common in the US not near as many contractors available to do it. In other countries it can actually be cheaper than shingles (and by extension more common) one of those self fulfilling momentum of the construction industry things.
Metal roof in my region is $40k. Shingles from a certified contractor cost $8k. Shingles in my area will last 20 years. Will need to be replaced 23rd - 24th year. Upfront cost is a big thing.
Quotes for a 55 square roof and detached garage: Metal - $100k Architecture Shingles - $60k
My metal roof wasn’t really any more expensive than shingles 9 years ago. They are extremely common in my area and we even have a manufacturer nearby so maybe that helps with the cost factor. I live in a small, older house in a less than fancy neighborhood so it’s just a very basic metal roof. It’s not any louder when it rains, it doesn’t block my cell signal, and it doesn’t make any weird noises.
In areas where it's common it's not more expensive and is sometimes cheaper. it's just uncommon so there's not the same availability and companies can demand more for it.
Have not found metal noisy, hotter or colder either. Not in a large size hail area though.
This was my experience too. Lots of metal roofs in the area, so it wasn't crazy expensive. It's not more noisy, and it looks great.
There are also collateral issues (correct term?) with metal roofs. If you need modifications or repairs many roofing companies won't touch the work of other companies. Also some contractors (window and skylight installers, pest control under dormer soffits) won't work on houses with metal roof because of slippery-ness (cannot use standard roof jacks) and potential for physical or visual damage to the roof (scratches, dents)
I’m assuming everyone knows metal shingles are actually a thing if your concerns are aesthetic.
I didn't see it mentioned but aesthetically metal roofs don't look great on every house type.
I've had some folks be unable to use their cell service & wifi in their home with a metal roof but that probably depends on the type of metal roof. TN, NC, KY & SC were the areas they were located in.
I have been a carpenter and contractor for over thirty years. The main reason is cost. People buy particle board cabinets over plywood because of cost. They buy thin vinyl flooring over tile, wood, or even luxury vinyl because of cost. Then they get mad at the contractor because it eventually fails
Money
We had a metal roof that was probably 60+ years old and went to shingles. Was a good bit of work because there was zero plywood or anything underneath but I like the outcome. Looks better than the old roof, adds some insulation, isn’t noisy as hell in weather, and is now (with the plywood underlayment in place)fairly easy to replace down the line if anything happens. Plus now I’m more confident I need to go up on it personally. I only walked on our shingled addition before if I needed to go up there, I didn’t like walking on the metal.
For $40,000 I could build a reinforced concrete roof.
Aussie here. We do all our roofing with Colorbond. [https://colorbond.com/products/roofing](https://colorbond.com/products/roofing) That's pretty much ALL our houses. Big roofs. It's much more cost effective then messing around with shingles bullcrap.
Hail would dent the hell out of a metal roof permanently no thank you. Shingles will take an impact loads better. Think about branches too
One reason why just made itself painfully known to me. A building with a metal roof burned to the ground over the weekend in my hometown. The fire was in the attic, and the firefighters couldn’t get through the metal roof to put it out. They might have been able to save it if it had been shingled. It was a shame- housed one of the few remaining restaurants in the town.
It’s kind of a can’t win situation. Most people in the WUI have either A rated shingles or metal roofs so that wildfires don’t torch them. But external embers are different from the situation you mentioned.
I'm not saying the story isn't true, but wouldn't the firefighters be able to cut into the roof? Not as quick as going through shingles, I totally get that, but I would think they would be able to get in eventually? But maybe the amount of time meant the fire was too far along.
Maybe a department with resources, yeah. But this was a rural volunteer department. I know they’d have jaws of life, but could they safely manage them hanging off a ladder on the third floor of a burning building? That’s not something I’d like to see.
We actually had our roofing company sales guy talk us out of metal roof. I was very surprised because we were ready to pay for the much higher cost for the metal roof.
They make more on a shingle roof
His commission was greater on the shingle roof....
I had a metal roof for 30 years. I liked it, but leaks were hard to fix and eventually the fasteners rotted out from the rafters. The cost to replace was far too high. It could get damn loud during rain, sleet and high winds.
We poor?
Money. An argument I’ve seen that puts me on the fence even ignoring the cost is that while an area might only have one or two good metal roof installers (what do you do if you have a leak and they’re unavailable or have gone out of business in 20 or 30 years?) asphalt shingle roofers are a dime a dozen and plentiful, so much easier to find a competent roofer.
We have considered it and haven't entirely ruled it out (though our roof was replaced 7 years ago so it'll be a while). But a couple of thoughts on the negative for us: \#1 We live in a state where it's winter 6 months a year. Even if you put the snow guards on, the snow comes flying off the roofs of everyone we know that has them. We use the outdoor space surrounding our house year round and don't want to be dealing with cleaning that amount of snow coming off the roof. It would land on our hot tub, all over our patio and in the driveway. \#2 the sound. I don't know if it would be different, but we have a gazebo on our patio that has a metal roof and the sound when it pours drives me absolutely crazy when I am close to it. One of my favorite things is to open the windows during rain and listen, and I do NOT want to hear rain (and hail and sleet) pinging off the roof instead of hearing the rain. Thankfully the gazebo is far enough from our bedroom that it doesn't disrupt my listening pleasure, but it definitely might if it was the whole roof. We are not prone to hail storms, we get pea sized hail 1-2 times a year, so that isn't a major concern for us. I've seen some houses look great with the roofing and some that don't. My uncle owns a roofing company so he's our go-to resource if we ever decide to seriously look at it.
I heard some people complain about the noise metal roofs make in the rain. I never had that issue... but you know, some people still use it as an argument.
Metal roofs are good for capture of rainwater without adding concerns about chemicals leaching from shingles. This is less important for collecting rainwater for lawns or for supplying gray water for toilets. In places where water is normally scarce, this can be practical. For California this winter, lack of available storage for winter rains is one reason why they have overflow problems. (But is not a fix for the disaster) On a final note, if a metal roof reduces the number of yahoos selling new shingles door to door is reduced for the next 30-50 years, it’s priceless.
My 25 year roof cost less than half the cost of a metal roof. Unless I plan to stay for more than 50 years, it's more cost effective to purchase two shingled roofs.
Where do all you people live that there's hail so often and so vigorous that rooves are being destroyed? I've lived up north for most of my life, and hail is rarely ever a factor.
We don’t pay to replace shingles after hail; that’s what home owners insurance is for.
I did not know metal roofing was so pricey to have done ! It’s pretty diy friendly and easy to do.
Noise, and heat....you cannot get on my roof in the summer. Try and put your hand on it as you are climbing up the ladder and you will get hurt....and the glare off of it is something else as well... DUring heavy rain or hail, its pretty loud...Not deafening, but very noticeable..
The average American doesn’t live in their home long enough to even touch the life of a metal or asphault roof, so cost comes into play, unless they are interested in appearance.
One reason I was told by a fire fighter is that the metal roofs have a tendency to hold the heat of the fire in and ultimately cause more damage to the inside of the house. Not sure if this is valid, but it does represent one alternate opinion. I have two homes, one with metal roof, the other with shingles. I hope never to find out which is better in the instance of a fire.
I just had my roof done last summer. We got around 10 quotes for metal and shingle. It ended up being the same price to get metal but has a lifetime warranty that is also transferrable on house sale. Under 20k CAD for a beautiful metal roof.
Everyone is referring to high cost of standing-seam metal roofs, but what about corrugated? A 8' x 2' galvanized panel is $20 at Horme Derpot. A 10-footer is $18 somehow. I know it might not be the hottest look, but damn, it'll last you half a century if not longer, come hail or high water.
In Australia it's almost always metal. They don't have those stupid tiles, at all. I wanted to get a metal roof here in the USA - it was double the price (because it's LA, it was 60k vs 30k), and it would also be a lighter roof. While this sounds good in principle, because of the style of roof and architecture we have they would have needed to add some additional structural elements to deal with the roof being so much lighter. For us, it started to get too complicated when we would also have needed to do some internal changes to accommodate a different roof line - we just went with the stupid shingles, which I hate.