Metal Roofing – Is it the Right Choice for You?

Metal roofs are quickly gaining in popularity. Nestled into a street of shingle-covered rooftops, these sleek and shiny designs definitely stand out. But are they right for you? Here are some of the pros and cons to consider.


There are several benefits to switching to metal panels – the primary distinction being the increased protection from issues that plague traditional shingle roof owners. These include damages due to wind, hail and natural deterioration. Metal roofs are also fire resistant and boast a Class A fire rating. (Please keep in mind, however, that metal roofs which are constructed on top of combustible materials will have a lower, Class C rating).

In addition to their resistance to the elements and deterioration, metal roofs provide several seasonal benefits. The metal panels reflect heat from the sun, which minimizes heat gain and limits the amount of energy needed to air condition your home in the summer. In the rainy months, the sleek and slippery material prevents water backup and pooling. And in the winter, the dark metal will warm easily in the sun to slough off snow and ice.

In sum, metal roofs are incredibly durable, easy to install, and, if properly installed, can last as long as the house.


Characteristics of metal roofs are not entirely positive. There are a few drawbacks to consider.

The first issue is the cost. Well-constructed metal roofs are more expensive up front than asphalt shingles. Another issue with switching to a metal roof is the noise. Although many people enjoy the patter of a soft rainfall on the rooftop, a furious rain or hailstorm may not be as peaceful. You can help prevent this effect, however, by paying a little more and adding sound-deadening insulation and plywood sheathing.

Another item that people typically do not consider is the potential for cosmetic damages. Metal roofs are not impervious to denting so those nasty hailstorms can cause some dimpling of the metal. Also, the paint on some types of metal roof panels can peel, fade, chip and can easily be scratched. And, since metal expands and contracts during temperature fluctuations, hot days can cause the metal to warp slightly, creating a wave affect. One important thing to keep in mind is that cosmetic damages to metal roofs are typically not covered by homeowner’s insurance.

For those who are willing to shell out for the initial cost of metal roofing, the return on the investment tends to be worth it. However, there are definitely some disadvantages to switching from asphalt shingles to metal roof panels.

If you have insurance questions relating to an existing metal roof or want to get more information before installing one, please do not hesitate to contact us.