Regardless of the warranty, I wouldn't buy a metal roof and expect it to last any longer than 20 years. I don't think the insurance companies care what type of roof you have. When it is more than 15 or 20 years old, they will either raise your premiums or cancel your insurance altogether. Also, no roof warranty is going to be worth very much after 20 years. It only covers the material and it is usually based on a prorated reimbursement.
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