Metal Roofs vs Shingles in NC: Pros, Cons, and Insurance Impact

Metal Roofs vs Shingles in NC: Pros, Cons, and Insurance Impact

If you are replacing your roof in North Carolina, especially after storm damage, one of the biggest decisions you will face is choosing between metal roofing and asphalt shingles. Both materials are widely used throughout the state, but each has distinct benefits, drawbacks, and implications for your insurance coverage.

At United Contracting, we help homeowners across Wake, Durham, and nearby counties make smart roofing decisions based on budget, climate, and long-term performance. In this guide, we compare metal roofs vs shingles from every angle — including durability, cost, appearance, and how insurance companies treat each type.

Comparing Metal Roofs and Asphalt Shingles

Benefits of Metal Roofing in North Carolina

1. Superior Storm Resistance

Metal roofs are one of the most wind-resistant roofing systems available. Most are rated to withstand gusts over 140 miles per hour, making them ideal for hurricane-prone areas like central and eastern North Carolina.

They also resist hail impact better than standard shingles and do not crack or degrade under UV exposure.

2. Longevity

Metal roofing often lasts 40 to 70 years with minimal maintenance. While it costs more up front, you may never have to replace your roof again — especially if you plan to stay in your home long-term.

3. Energy Efficiency

Reflective metal panels reduce heat absorption, helping to keep attic spaces cooler in summer. This can reduce your HVAC costs and make your home more energy-efficient year-round.

4. Fire and Moisture Resistance

Metal roofing is non-combustible and resists mold, mildew, and water intrusion. These features can lead to reduced risk ratings with insurance companies.

Pros of Asphalt Shingles in North Carolina

1. Lower Upfront Cost

Asphalt shingles, especially architectural or laminated styles, are far less expensive than metal roofs. They provide strong performance for 20 to 30 years and are often a better fit for homeowners focused on budget or short-term resale.

2. Traditional Look

Shingles come in a variety of colors and profiles to match any neighborhood aesthetic or HOA requirement. They remain the most common roofing material across the Southeast.

3. Easier to Repair or Replace

If only part of your roof is damaged, shingles are easier to replace in sections than metal. This can be a plus during storm repairs or insurance claims.

Insurance Considerations: Metal Roof vs Shingles

Will Insurance Cover a Metal Roof?

Yes. Most insurance providers cover metal roofing as a replacement option if your existing roof is damaged due to a covered peril (like wind or hail). You may pay the difference if you choose to upgrade from shingles to metal.

Some carriers also offer premium discounts for Class 4 impact-rated metal roofs due to their lower long-term risk.

Does Insurance Treat Shingles Differently?

Shingles are the default roofing type for most policies. However, insurance companies often evaluate:

• The age of the shingles
  
  
• The type (3-tab vs architectural vs Class 4)
  
  
• Whether the shingles are discontinued or difficult to match
  
  

If your shingle roof is old or made of non-impact-rated materials, your payout could be reduced to actual cash value (ACV) rather than full replacement cost (RCV), depending on your policy.

Can You Upgrade Roofing Materials Through Insurance?

Yes. If your roof is damaged and approved for replacement, you can often choose a higher-end material (like metal) and pay only the difference beyond the insurer’s reimbursement for equivalent materials.

Our team at United Contracting can walk you through this process and help you make the upgrade decision based on cost, resale value, and insurance impact.

Factors to Consider When Choosing Between Metal and Shingles

• Your budget and financing options
  
  
• How long you plan to live in the home
  
  
• Storm risk in your neighborhood
  
  
• Insurance discounts or policy structure
  
  
• Resale value or curb appeal preferences
  
  

United Contracting provides detailed estimates for both roofing options so you can weigh the short-term cost against long-term savings.

Real Example: Metal Roof Upgrade in Franklin County

In early 2024, a homeowner in Franklinton filed a roof claim after a hailstorm. Insurance approved a shingle replacement, but the homeowner opted to upgrade to a standing seam metal roof. United Contracting applied the insurance payout toward the total cost, and the homeowner covered the small remaining balance. The result was a low-maintenance, storm-resistant roof backed by a 50-year warranty — and a five percent insurance premium discount.

Frequently Asked Questions About Metal and Shingle Roofs in NC

Is a metal roof louder during storms?

Modern metal roofs installed with proper underlayment are no louder than shingles. Insulation and attic space buffer most noise.

Are metal roofs allowed in HOA neighborhoods?

Some HOAs have appearance requirements, but many now approve standing seam or textured metal panels that blend with residential styles. Check your covenants before installation.

Do metal roofs attract lightning?

No. Metal roofs do not increase the risk of lightning strikes and are actually safer in storms because they are non-combustible.

Which roof is better for resale?

It depends. In higher-end neighborhoods, a metal roof can increase value due to its longevity and appearance. In more traditional markets, shingles may better match neighborhood expectations.

Not Sure Which Roof to Choose? We Can Help

Choosing between a metal roof and asphalt shingles is a big decision. At United Contracting, we offer honest advice, clear estimates, and full support with insurance-backed replacements and upgrades.

We serve homeowners across Wake, Durham, Franklin, and surrounding North Carolina counties with expert roof inspections, storm restoration, and long-term roofing solutions.