Metal lasts longer and costs more. In Texas the insurance details matter as much as the material.
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In Remodeling’s 2025 Cost vs Value report, a Dallas standing-seam metal roof cost about $46,800, against about $28,200 for asphalt shingles on the same roof. Metal can last 40 to 80 years versus about 30 for architectural shingles, but TDI warns that metal-roof discounts can come with a cosmetic-damage exclusion, so hail dents that don’t cause leaks may not be covered.
| Architectural shingles | Standing-seam metal | |
|---|---|---|
| Dallas cost, 30-square roof (2025) | $28,211 | $46,790 |
| Value at resale | 56.9% recouped | 48.6% recouped |
| Typical life (InterNACHI) | About 30 years | 40 to 80 years |
| Hail | Bruising and granule loss; Class 4 lines resist better | Can dent; dents may be excluded as cosmetic |
| Repairs | Simple, widely available | Panels may need a specialist |
If your insurer offers a discount for a metal roof, it may come with an exclusion for cosmetic damage: if hail changes how the roof looks but it still works, the policy won’t pay to fix it. Even if your policy covers cosmetic damage now, a company can add the exclusion at renewal. Read your policy before you choose.
Metal over solid decking with an insulated attic is much quieter than the metal barn roof most people picture. Light, reflective finishes can also reduce heat gain; ask for the product’s solar reflectance rating.
It can be if you plan to stay a long time. It costs much more upfront, and check your policy for a cosmetic-damage exclusion before deciding.
It can dent them. Whether insurance pays depends on your policy; many Texas policies exclude cosmetic damage to metal roofs.
Some insurers offer one, sometimes with conditions such as a cosmetic-damage exclusion.
This guide is general information for Texas homeowners, not legal or insurance advice. Your policy, your city and your house decide the details.
