A properly installed standing seam metal roof commonly lasts 40 to 70 years. Insurers’ depreciation tables give metal a far longer useful life than asphalt shingles, which in Texas often need replacing within 15 to 20 years. That difference shapes how much any future claim pays as your roof ages. Roof material Typical lifespan in…
Read MoreUsually, insurance covers a metal roof replacement only up to the value of the roof you already had. If a covered storm damages an asphalt shingle roof, the claim is priced as asphalt shingles. If you choose metal, you pay the difference. Here’s how that works, what can shrink your check, and why a claim…
Read MoreYes. In Texas, a metal roof can lower your homeowners insurance, mostly through a discount on the wind and hail portion of your premium for roofs rated Class 4 for impact resistance. How much depends on your carrier and your policy. Anyone who quotes you an exact number before looking at your policy is guessing.…
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