Metal Roofs - in actuality - typically do not last longer than asphalt roofing. It is a perception - not faulting anybody for believing it - but - I was in the industry - nationally.
Reality about Metal Roofs...
a) Shed Weather... not weatherproofing material. The weatherproofing material is underneath. Since most people never see it - roofing contractors very often cheat - and put cheap material there. Cheap material (like felt) deteriorate from both heat and moisture.
b) They Dent... from hail. Then they look ugly. Most insurance has an exclusion for simply cosmetic.
c) Fire... if the fire is from within the house - metal roofs act like an oven. Fire spreads quickly - and very hot.
If you look at manufacturer warranties - metal and asphalt roofing is about the same: "LIFETIME"
Therefore - the issue isn't that asphalt shingle.
The issue is "public adjusters" sometimes working together with "pro roofers" - and getting insurance claims for wind and hail damage that is questionable - at best. There is a big potential liability for insurance companies questioning public adjusters. It's really a mess.
Hope this helps!
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