Ensure Blog

Roof Replacement: Asphalt Shingles vs. Metal Roofing

weather damageThis tornado season is kicking off to a destructive start and your roof is probably the most at risk. Having the proper insurance coverage is a life saver but knowing the cost, pros and cons of roof replacement and working with the insurance team could save you even more in the long run.

Your home is your biggest investment. Replacing your roof is seldom a want, but most often a need and for most of us the roof is an afterthought — at least until it starts to leak. Then we realize how critical that surface of our house’s exterior really is. The roof contributes greatly to the look of the house. Right now there are more options in the marketplace than ever, so choosing one is tough. The most important trend to note is the increasing move towards engineered roofing materials. The high cost of wood, fireproof construction codes and the increasing demand for eco friendly materials with longevity are driving prices up.

Lets quickly break down the pros and cons of both asphalt shingles and metal roofing.

Asphalt Shingles


  • Asphalt shingles are widely used because they are long lasting, readily available and the most economical of all roofing types.
  • Standard shingles are estimated to last 15-20 years.
  • One of the least-expensive roofing options available in a dozen or so different colors both solid and blended.
  • Guaranteed for 20, or in some cases 30 years, making them an excellent value.Value is the principal advantage of this roofing material. The disadvantage, however, if there could be said to be one, is the fact that it is so common. The conventional three-tab shingle is a relatively low-cost roofing material available in a wide assortment of colors. When shopping, pay attention to warranty length, which may vary from 20 to 40 years. Professional installation cost is between $1500 and $9000.


  • As the saying goes: “you get what you pay for” and for their low prices, asphalt shingles have a considerable number of disadvantages:
  • Asphalt shingles get damaged if installed at below freezing temperatures.
  • Attic ventilation issues can damage asphalt shingles.
  • Cheaper grades of asphalt shingles are susceptible to wind uplift.
  • Asphalt shingles are not resistant to extreme temperature variations, causing cracking.
  • Asphalt shingles are a petroleum-based product; manufacturing of shingles wastes a lot of energy and increases green house gas emissions.
  • Asphalt shingles do not get recycled and regularly end up in our landfills

Metal roofing


  • Of all the aluminum produced during the last 100 years, 75 percent of it is still in use.
  • Strong yet lightweight, aluminum is the ideal metal for roofing .
  • Ideal for heavy snow accumulations.
  • Will not rust or corrode and includes a 50 year transferable warranty to a new owner.
  • Metal resists fire, mildew, insects and rot.
  • Steel roofs last a lifetime, lower energy costs, and survive extreme weather.
  • Metal roofing may also get you an insurance discount.

    Steel roofs are environmentally friendly, 100% recyclable, made from a minimum of 25% recycled materials and significantly lower your energy bill by deflecting heat in summer and retaining heat in winter.


  • $5,000 to $17,000 for basic interlocking steel shingles
  • Up to a high end of $25,000 to $40000.As we always say, your home is your castle and if you aren’t going to ensure it’s safety and longevity, who will? Before this seasons weather gets too bad, take a look at your insurance coverage and make sure your home is protected in any emergency. Need help? Contact one of our Insurance Architects to walk you through the process.