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Feb 12th, 2024
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 Metal Roofs
#9022495
03/21/24 01:11 AM
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Joined: Jul 2007
Posts: 35,134
Brother in-law
OP
THF Celebrity
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OP
THF Celebrity
Joined: Jul 2007
Posts: 35,134 |
I know cost is high but why dint we see more of them with all of the hail claims?
I know HOAs don’t allow them in most places
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Re: Metal Roofs
[Re: Brother in-law]
#9022528
03/21/24 01:49 AM
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Joined: Sep 2006
Posts: 32,518
kmon11
junior
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junior
Joined: Sep 2006
Posts: 32,518 |
Never had one until this house, so far love it. It was there when I bought the house and was put there 6 years before I bought it. They put the lathing on top of the old shingles then the steel. Between that air gap and, insulation of the shingles and ridge cap ventilation attic stays 20 degrees or more cooler than my last house on a 20 degrees day than my last one did with asphalt shingles. Same amount of insulation in the attic in both houses,
50 year roof, lots longer than shingles.
lf the saying "Liar, Liar your pants on fire" were true
Mainstream news might be fun to watch
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Re: Metal Roofs
[Re: Brother in-law]
#9022535
03/21/24 01:57 AM
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Joined: Mar 2010
Posts: 12,235
ntxtrapper
THF Celebrity
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THF Celebrity
Joined: Mar 2010
Posts: 12,235 |
Everything I have is now under a steel roof.
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Re: Metal Roofs
[Re: Brother in-law]
#9022541
03/21/24 02:05 AM
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Joined: Apr 2007
Posts: 60,491
BOBO the Clown
kind of a big deal
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kind of a big deal
Joined: Apr 2007
Posts: 60,491 |
I have stone coated metal class 4. Its 17 years and going strong.
Its use to be a nice insurance deduction, now its almost a liability. Heard sheet metal is same way
As far as sheet metal, R, U, V or standing seem, I dont think the holding up better then class 4 composite or alloy
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Re: Metal Roofs
[Re: Brother in-law]
#9022545
03/21/24 02:08 AM
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Joined: Jan 2007
Posts: 26,199
KRoyal
Texoma Legend
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Texoma Legend
Joined: Jan 2007
Posts: 26,199 |
I know cost is high but why dint we see more of them with all of the hail claims?
I know HOAs don’t allow them in most places Do they not take a beating and dent up in a hail storm? I love the look of metal roofs and would love to sleep under one when it rains I’m sure it’s kind of loud which drowns out my tinnitus.
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Re: Metal Roofs
[Re: Brother in-law]
#9022552
03/21/24 02:18 AM
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Joined: Dec 2008
Posts: 41,180
J.G.
THF Celebrity
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THF Celebrity
Joined: Dec 2008
Posts: 41,180 |
8" purlin on 24" centers
5/8" OSB screwed down to the purlin
Membrane on the OSB
Mueller CF Panel, which is like a DIY standing seam. No exposed fastners.
8" of closed cell foam sprayed to the underside of the OSB.
Attic is within 5° of the house.
Let it hail. I don't care.
![[Linked Image]](http://www.precisionriflehunters.com/wp-content/uploads/2017/07/garvey.jpg) 800 Yard Steel Range Precision Rifle Instruction Memberships and Classes Available
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Re: Metal Roofs
[Re: KRoyal]
#9022569
03/21/24 02:49 AM
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Joined: May 2009
Posts: 24,367
dkershen
Rev Dave
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Rev Dave
Joined: May 2009
Posts: 24,367 |
I know cost is high but why dint we see more of them with all of the hail claims?
I know HOAs don’t allow them in most places Do they not take a beating and dent up in a hail storm? I love the look of metal roofs and would love to sleep under one when it rains I’m sure it’s kind of loud which drowns out my tinnitus. Takes golf ball size or larger to dent a class 4 metal roof. In 2017 I got hit by egg sized hail and totaled my metal roof. I consider that a once in a lifetime event. Went right back with metal. Ain’t cheap but stands up to what north Texas throws at it.
To be sure of hitting the target, shoot first and call whatever you hit the target.www.NewHopeEquine.com - Health and Healing through Horses.
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Re: Metal Roofs
[Re: Brother in-law]
#9022571
03/21/24 02:52 AM
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Joined: Sep 2004
Posts: 10,854
DannyB
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,854 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim.
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Re: Metal Roofs
[Re: DannyB]
#9022578
03/21/24 03:11 AM
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Joined: Sep 2010
Posts: 35,891
txshntr
T-Rex Arms
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T-Rex Arms
Joined: Sep 2010
Posts: 35,891 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Depends on the insurance policy. Some exclude cosmetic damage, especially on metal roofs.
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Re: Metal Roofs
[Re: txshntr]
#9022584
03/21/24 03:25 AM
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Joined: Jan 2007
Posts: 26,199
KRoyal
Texoma Legend
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Texoma Legend
Joined: Jan 2007
Posts: 26,199 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Depends on the insurance policy. Some exclude cosmetic damage, especially on metal roofs. Wow he lives!
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Re: Metal Roofs
[Re: DannyB]
#9022596
03/21/24 04:42 AM
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Joined: Mar 2010
Posts: 12,235
ntxtrapper
THF Celebrity
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THF Celebrity
Joined: Mar 2010
Posts: 12,235 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Mine had a cosmetic waver for lower premiums. I signed it because I don’t give a rip about cosmetics on a roof. 22 gauge thick and the golf ball sized one last year didn’t do a thing to it.
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Re: Metal Roofs
[Re: DannyB]
#9022600
03/21/24 07:58 AM
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Joined: Aug 2009
Posts: 22,716
BigPig
THF Celebrity
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THF Celebrity
Joined: Aug 2009
Posts: 22,716 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Yes. Even when it’s on a shop.
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Re: Metal Roofs
[Re: DannyB]
#9022615
03/21/24 11:13 AM
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Joined: Dec 2013
Posts: 6,938
GasGuzzler
THF Trophy Hunter
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THF Trophy Hunter
Joined: Dec 2013
Posts: 6,938 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Depends on your coverage. To make a metal roof worth the expense, it's a good idea to sign off on a "no cosmetic damage claim" statement for some people. My parents did that and it's way cheaper than a composite roof ... plus the energy savings.
Pass the gravy.
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Re: Metal Roofs
[Re: Brother in-law]
#9022620
03/21/24 11:20 AM
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Joined: Oct 2009
Posts: 12,222
wp75169
THF Celebrity
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THF Celebrity
Joined: Oct 2009
Posts: 12,222 |
My parents house was built in 1981. Anodized R panel. Far heavier than what you see today. The only issue has been the rubber seals on the screws. They gave up about 5 years ago and started leaking. They had to be replaced. One actual dent in the roof from a large tree limb. No leaks there.
The walls roof and second floor are made from back to back 12” C channel making them look like I beams. 12” of pink fiberglass insulation topped it off for the lowest electric bills I’ve seen to date.
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Re: Metal Roofs
[Re: KRoyal]
#9022642
03/21/24 12:29 PM
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Joined: May 2011
Posts: 28,031
skinnerback
THF Celebrity Chef
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THF Celebrity Chef
Joined: May 2011
Posts: 28,031 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Depends on the insurance policy. Some exclude cosmetic damage, especially on metal roofs. Wow he lives! Well lookie here.....
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Re: Metal Roofs
[Re: Brother in-law]
#9022657
03/21/24 01:01 PM
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Joined: Sep 2004
Posts: 8,429
stinkbelly
THF Trophy Hunter
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THF Trophy Hunter
Joined: Sep 2004
Posts: 8,429 |
I have had metal roofs for 25 years. My first was thin barn metal over rafters. It was junk. Noisy and it leaked really bad after the first hail storm. I put plywood on the rafters and good roof metal 23 years ago. I have not had a problem yet. I really don't see how the metal can dent when it is flush against thick plywood, but my insurance said I have a few cosmetic dents on mine. It isn't leaking and I can't see them so it is fine. They won't cover it anyways.
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Re: Metal Roofs
[Re: skinnerback]
#9022662
03/21/24 01:24 PM
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Joined: Sep 2010
Posts: 35,891
txshntr
T-Rex Arms
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T-Rex Arms
Joined: Sep 2010
Posts: 35,891 |
Will insurance pay for a dented metal roof if it isn't leaking? I've heard it told both ways. One person told me it look like a golf ball, but if not leaking, no claim. Depends on the insurance policy. Some exclude cosmetic damage, especially on metal roofs. Wow he lives! Well lookie here..... I’m around more than I have seemed to be…but finally getting to a place to lift my head up on occasion 
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Re: Metal Roofs
[Re: Brother in-law]
#9022675
03/21/24 01:45 PM
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Joined: Jul 2008
Posts: 6,439
Chopped54
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jul 2008
Posts: 6,439 |
I have been shopping home owners insurance and found a few wont insure anything over 1000 square feet with a metal roof.
Wealth is of the heart and mind and not of the pocket
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Re: Metal Roofs
[Re: Brother in-law]
#9022684
03/21/24 02:01 PM
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Joined: Sep 2004
Posts: 12,423
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 12,423 |
I know cost is high but why dint we see more of them with all of the hail claims?
I know HOAs don’t allow them in most places I see many partial Metal Roofs in my Subdivision, they are used as accents usually on a covered front porch or turret, I think they look great. ![[Linked Image]](https://texashuntingforum.com/forum/pics/userpics/2024/03/full-250-416310-metal1.jpg)
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Re: Metal Roofs
[Re: txshntr]
#9022686
03/21/24 02:08 PM
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Joined: May 2011
Posts: 28,031
skinnerback
THF Celebrity Chef
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THF Celebrity Chef
Joined: May 2011
Posts: 28,031 |
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Re: Metal Roofs
[Re: wp75169]
#9022710
03/21/24 02:48 PM
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Joined: Mar 2010
Posts: 12,235
ntxtrapper
THF Celebrity
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THF Celebrity
Joined: Mar 2010
Posts: 12,235 |
My parents house was built in 1981. Anodized R panel. Far heavier than what you see today. The only issue has been the rubber seals on the screws. They gave up about 5 years ago and started leaking. They had to be replaced. One actual dent in the roof from a large tree limb. No leaks there.
The walls roof and second floor are made from back to back 12” C channel making them look like I beams. 12” of pink fiberglass insulation topped it off for the lowest electric bills I’ve seen to date. Yep, oversized screws with new gaskets is a good idea after about 20 years or so.
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Re: Metal Roofs
[Re: RedRanger]
#9022845
03/21/24 07:31 PM
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Joined: Apr 2013
Posts: 8,502
freerange
THF Trophy Hunter
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THF Trophy Hunter
Joined: Apr 2013
Posts: 8,502 |
I know cost is high but why dint we see more of them with all of the hail claims?
I know HOAs don’t allow them in most places I see many partial Metal Roofs in my Subdivision, they are used as accents usually on a covered front porch or turret, I think they look great. Servants quarters???
At some point in life its time to quit chasing the pot of gold and just enjoy the rainbow. FR
Keep your gratitude higher than your expectations. RWH
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Re: Metal Roofs
[Re: Brother in-law]
#9022994
03/22/24 01:45 AM
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Joined: Feb 2008
Posts: 3,288
cm250
Veteran Tracker
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Veteran Tracker
Joined: Feb 2008
Posts: 3,288 |
Put a standing seam metal roof( no exposed screws)on 20 some years ago and have never looked back….
My Yote toys,
Ruger 77 22-250
Foxpro 416B & numerous hand calls
************
God would never send Firefighters to Hell because we would put the fire out!
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Re: Metal Roofs
[Re: Brother in-law]
#9023094
03/22/24 11:55 AM
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Joined: Aug 2008
Posts: 1,869
txwildcat
Pro Tracker
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Pro Tracker
Joined: Aug 2008
Posts: 1,869 |
our neighborhood got new roofs after the storm in June 23. Next door neighbor went with metal roof and seems happy. More expensive to install but cheaper on insurance he says. I was surprised the HOA allowed it but it looks fine and neighbor says there isn't a difference on the noise when it rains.
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Re: Metal Roofs
[Re: Brother in-law]
#9023104
03/22/24 12:17 PM
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Joined: Nov 2018
Posts: 786
Ktexas14
Tracker
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Tracker
Joined: Nov 2018
Posts: 786 |
I know cost is high but why dint we see more of them with all of the hail claims?
I know HOAs don’t allow them in most places A lot of insurance companies write exclusions for "Cosmetic Exclusion" That means your roof can be severely dented and if it holds out water, they arent replacing it.
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