Quote:
Originally Posted by Kenswing
I would love to get a metal roof. But until it’s seen whether or not insurance companies will still make you replace them within X number of years regardless of condition, I’ll hold off.
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I don't see a leg the insurance company can stand on in regards to making a homeowner replace a metal roof within X number of years. It is pretty common knowledge asphalt shingles deteriorate in a short time becoming brittle and less able to handle severe weather. It is understandable that an insurance company will require a new roof if the existing one is old, they don't want to have to pay to replace it in 5 years. Most metal roofs have a 50 year warranty, something that no asphalt shingle manufacturer will provide. The sun doesn't harm the metal to where it deteriorates in any form other than some fading after a number of years. Rust, tornados and hurricanes are the only things that will damage the metal. I have seen houses and farm buildings with the old style, flat metal roofing that have been on houses that are 50 years + old, that even though faded are still repelling rain.
In Florida, how many asphalt shingle roofs will be needed in a 50 year span? This is something the insurance companies should get behind, save them a bunch of money long term.