Metal roofs are gaining popularity among homeowners who want a roofing material that can handle extreme weather, last for decades, and look good while doing it. But when your property takes a hit from a storm, you may be wondering: will insurance cover a metal roof replacement?
The short answer is yes—but there’s fine print involved. Your insurance company, the kind of roof damage you’re dealing with, and the terms in your policy all play a big role. Here’s what you need to know before you install a metal roof and before you file a claim.
Understanding Insurance Coverage for Roofs
Most insurance policies include protection for roof damage caused by specific events like hailstorms, strong winds, falling trees, or even fire. But how much you’ll be reimbursed depends on your policy type.
Here are the two big ones:
- Actual Cash Value (ACV): This pays out based on the age of your roof, factoring in depreciation. So if your roof is older, you’ll get less money.
- Replacement Cost Coverage (RCC): This pays the full amount it would cost to replace the roof with a similar quality material—no depreciation deduction.
If you’ve got a metal roof or are thinking of upgrading, it’s smart to ask your insurance agent which type of policy you have. We’ve seen customers learn the hard way that not all insurance policies are created equal!
When Does Insurance Cover a Metal Roof Replacement?
Most insurance companies will cover roof replacement after specific types of damage, especially if the damage affects how the roof performs (not just how it looks).
Some common scenarios include:
- Hail damage: Metal roofs stand up well to hail, but large hailstones can still leave dents or even compromise panels.
- Wind damage: Severe gusts or tornadoes can rip panels loose or shift them.
- Heavy snow or ice: Accumulated weight or ice dams can warp or crack panels.
- Falling debris: Tree limbs or large objects blown by wind can damage metal roofing.
If your roof has been affected by any of these, filing an insurance claim could help you cover the cost of replacement—as long as the policy doesn’t exclude certain types of damage.
Do Insurance Companies Treat Metal Roofs Differently?
They often do—and in a good way. Because metal roofs last longer and hold up better to harsh conditions, some insurance companies offer discounts or lower premiums to homeowners who install them!
Yes, you read that right.
However, cosmetic damage (like dents from small hail) may not always qualify for coverage. If the roof is still functional, your insurance company might not pay to replace it.
Still, many homeowners see metal panels as a long-term investment, especially when paired with things like solar panels. A metal roof that outlasts the solar array underneath it? That’s a smart move.
Working with Insurance Companies
You don’t have to go it alone. While homeowners are responsible for filing the initial claim, a roofing company like Rockland Builders can help guide you through the process and even speak directly with your insurance adjuster or agent.
Tips for a smoother claim:
- Take photos of the damaged roof ASAP
- Know the age and material of your current roof
- Review your insurance policy in advance
The better prepared you are, the easier it’ll be to get approval for your claim.
Tips for Homeowners Considering a Metal Roof
Whether you already have metal roofing or are thinking of upgrading from an asphalt shingle roof, here are some things to keep in mind:
- Call your insurance agent and ask how metal roofing affects your policy coverage
- Check if you have replacement cost coverage or if you’re stuck with actual cash value, or if you can switch
- Understand your deductible and what it applies to
- Ask if the upgrade from shingles to metal panels will be fully covered (or how much could be covered) if your current roof is damaged
Final Thoughts: Don’t Let Insurance Confusion Delay Your Roof Replacement
So, will insurance cover a metal roof replacement? In most cases, yes—but it all comes down to your insurance policy and the kind of roof damage your home has sustained.
The best first step is to talk with a knowledgeable roofing contractor and your insurance agent. At Rockland Builders, we’ve helped countless homeowners in situations just like yours. From storm inspections to photo documentation to communicating with insurance companies, we’re ready to help you protect your home and your investment.
Need Help Navigating an Insurance Claim for Your Roof?
Contact our roofing team today. We’ll walk you through the process, help you understand your insurance coverage, and make sure your roof replacement is handled with experience and care.
FAQs
- Will homeowners insurance pay for a metal roof? Yes, if the damage is caused by a covered event and your policy includes roof coverage.
- Will insurance pay for hail damage to a metal roof? Usually, yes — especially if the damage affects the function of the roof, not just the appearance.
- Does insurance go down with a metal roof? It can. Some insurers offer discounts for homes with metal roofs.
- What type of roof damage is typically covered? Hail, wind, fire, and falling debris are the most common.
- What should I know about cosmetic damage on a metal roof? Not all policies cover minor dents or aesthetic issues if the roof is still functional.
