Metal Roofing: The Insurance-Smart Investment
Metal roofing represents the pinnacle of residential roofing technology — and it's increasingly covered by insurance companies as a preferred material. When your insurance claim is approved for a roof replacement, you may have the option to upgrade to metal roofing by paying only the difference between the approved shingle estimate and the metal system cost. In many cases, especially when code upgrades are factored in, the difference is surprisingly small.
At Minneapolis Roof Pros, we've installed hundreds of metal roofing systems across Metro Minneapolis, from the upscale estates of Buckhead and Sandy Springs to the historic neighborhoods of Midtown and Virginia-Highland. Our metal roofing installations come with 40-60 year manufacturer warranties — meaning this will likely be the last roof you ever install.
Metal Roofing Systems We Install
Standing Seam Metal Roofing
The gold standard in residential metal roofing. Standing seam panels feature raised interlocking seams that create a continuous waterproof surface with no exposed fasteners. This design eliminates the most common failure point in traditional roofing — the fastener penetration. Water simply cannot enter a properly installed standing seam system, period.
Standing seam panels are manufactured from 24-gauge or 26-gauge steel with Kynar 500 fluoropolymer finish that resists fading, chalking, and corrosion for 40+ years. Available in over 40 colors, from classic charcoal and bronze to vibrant coastal blue and forest green. Panel profiles include snap-lock (for moderate slopes), mechanical lock (for low slopes), and batten cap (for architectural emphasis).
Corrugated Metal Roofing
The classic corrugated profile offers excellent performance at a more accessible price point than standing seam. Modern corrugated metal panels use concealed fastener systems that dramatically outperform the exposed-screw agricultural panels of decades past. Available in steel and aluminum, corrugated systems deliver 30-50 year lifespans with minimal maintenance requirements.
Aluminum Roofing Systems
For homes in areas with high moisture exposure or proximity to brackish water features, aluminum roofing provides superior corrosion resistance. Aluminum will never rust — making it the preferred choice for pool houses, lakefront properties, and homes surrounded by heavy tree canopy where leaf decomposition creates acidic runoff.
Insurance Benefits of Metal Roofing
- Premium discounts of 15-35% from most Minnesota insurance carriers
- Class 4 impact resistance rating (highest available)
- Wind resistance rated to 140-180 mph depending on panel system
- Non-combustible — Class A fire rating reduces wildfire insurance risk
- 40-60 year lifespan eliminates future replacement claims
- Hail resistance virtually eliminates future storm damage claims
How Insurance Covers Metal Roofing Upgrades
When storm damage qualifies you for a full roof replacement, your insurance pays for "like-kind" replacement — typically the cost of standard architectural shingles. However, several factors can bridge the gap to metal:
First, Minnesota building code upgrades are covered by insurance. If code requirements have changed since your original roof was installed, the cost of meeting current standards is included in your claim. Second, your insurance may cover the metal upgrade directly if your adjuster agrees it reduces future risk. Third, any difference between the shingle estimate and metal cost is often offset within 3-5 years by the premium discount metal roofing earns.
Our claims specialists calculate the true cost comparison — shingle replacement with future premium increases vs. metal upgrade with premium discounts — so you can make an informed decision backed by real numbers.
Our Metal Roofing Installation Process
Metal roofing installation demands a level of precision that far exceeds standard shingle work. Panel alignment must be perfect because any deviation is permanently visible. Thermal expansion allowances must be built into every fastener point. Trim details around penetrations, valleys, and edges must be custom-fabricated on site to achieve weathertight seals.
Our metal roofing crews are factory-trained by Sheffield Metals, McElroy Metal, and Fabral/Headwaters — the three largest metal panel manufacturers in the Southeast. Every installation follows manufacturer-specified methods for panel attachment, sealant application, and trim fabrication. This training is what allows us to offer full manufacturer warranties on our metal installations.