There are different types of roofs to suit the needs of every property, from slate and tile to wood and asphalt. However, if you reside in a region known for heavy snowfall, you’ve likely witnessed the increasing popularity of metal roofs. If you want to determine if this style of roof is right for your home, you need to weigh the advantages and disadvantages. Let’s take a look at some of the pros and cons of metal roofs to help you make an informed decision.
The Benefits of Having A Metal Roof
The biggest selling point of metal roofs is their durability. They have the strength to withstand extreme heat and can bear the weight of immense amounts of snow. It’s so sturdy, it has the capability of lasting the life of the house, requiring no roof replacement. Other ways in which metal roofs best their counterparts include:
- Easy Installation: Metal roofing is quick and simple to install, as it’s fashioned out of large panels or sections. This will help you save on overall labor costs.
- Fire Resistance: Metal roofs have a Class A fire rating, meaning it has the highest fire-resistance rating a roof can receive. The corrugated galvanized steel of metal roofs can withstand prolonged exposure to fire.
- Lightweight: Contrary to what one might expect, metal roofs are extremely lightweight compared to other roofing materials, meaning it won’t add too much stress to your foundation or require extra roof supports.
- Low Heat Conduction: Metal roofs reflect the sun’s rays, minimizing absorbed heat. This is ideal for hot summer days, as the inside of your house will remain cooler.
As for the reason these roofs are growing in popularity in New England, these roofs fair well with rain – doing well to prevent leaks – and help to quickly melt away snow, prevent damaging ice dams.
The Disadvantages of Having A Metal Roof
While metal roofs come with significant advantages over its alternatives, there are some drawbacks, including:
- Expensive Materials: While you’ll be saving on labor costs and your summertime energy bill, it’s expensive to purchase a metal roof. According to HomeAdvisor, installing a metal roof costs between $7 and $14 per square foot.
- Prone to Dents: While it’s made of sturdy metals, such as steel, tin, or aluminum, metal roofing is susceptible to denting if hit by large hailstones.
- Noise: While you can use insulation materials to dampen the sound, you can expect to hear rain tapping on your roof more so than with roofing alternatives.
- Expensive Repair: Unlike with shingles – where you can easily replace a damaged section of the roof – damage to your metal roofing requires a replacement of an entire section.
Given its drawbacks and additional expenses over traditional roofing options, it’s important to ensure you’re outfitted with the appropriate homeowners insurance.
Investing in Protections for Your Metal Roof
Insuring metal roofs can be tricky sometimes, as some homeowners insurance companies will approve a policy for a steel roof but not a tin roof. There are also some carriers that will not cover cosmetic damage to your metal roof caused by hail or falling tree limbs, despite these being covered perils under most policies. However, if these damages increase risk of leakage, your insurance will cover the replacement or repairs. It’s always recommended you discuss your coverage with your independent insurance agent to uncover the full details of your policy.
It’s important you carefully weigh the pros and cons of metal roofs, as it’s not the right decision for every homeowner, and replacing the roof with an alternative material can be extremely costly. Regardless of your decision, TJ Woods Insurance will be there to ensure your roof is properly insured with the right homeowners policy. If you require extensive protection for your investments, such as a metal roof, contact us today.
