LESLIE: Now we’ve got Patrick on the line who’s got a roofing question. How can we help you today?
PATRICK: I had a question about a metal roof versus a shingle roof. Our roof is about 17 years old and it’s ready for – it’s ready to change.
LESLIE: Now, is it ready to change because you don’t like the way it looks or is it failing in some way?
PATRICK: Oh, no. It’s actually fine; the shingles are fine. I was kind of wondering about the cost benefit of spending twice as much for a metal roof versus a shingle roof for another – you know what? How long will the shingle – how long should that metal roof last? What’s the gauge of the metal? That kind of thing.
TOM: How long do you plan on staying in the house?
TOM: Forever. OK, that’s important information.
So, if you put a metal roof on this house, I think it can last, for all intents and purposes, forever. The metal roofs of yesteryear, when they were properly maintained, would easily last 50 to 100 years. The metal roofs of today will do the same thing and they can even do it more successfully because of some of the modern elements of technology that are added to it.
For example – you are in Florida? Is that correct?
PATRICK: Yes. Port Charlotte.
TOM: You know, the one nice thing is that metal roofs have a reflective paint; it’s like a low-E paint. And they actually reflect some of that radiant heat back off of the roof. So instead of having a roof that’s like a heat collector, you’re going to have a roof that’s a heat reflector. So there’s also an energy-efficiency element to it, as well.
But I think that metal roofs last literally indefinitely, as long as they’re properly maintained. They don’t need a lot of maintenance. Of course, if there’s a storm and that sort of thing, they stand up a lot better; they don’t fly off like shingles do. And even though it’s twice as expensive, it’ll probably be the last roof you’ll ever have to put on that house.
PATRICK: If I do this $11,000 roof, will I report that to my homeowners insurance and will I get a benefit from that or no?
TOM: That’s a good question for your broker. Certainly, a metal roof is more fire-resistant. I also would look into energy – any energy-efficiency rebates. Because since it’s a low-E roof coating, you may actually qualify for an energy rebate. So I would look into that, as well.
PATRICK: And how would I look into that?
TOM: A good source is the Metal Roofing Alliance. That’s a trade association for the metal-roof industry. Go to MetalRoofing.com. And in fact, they have a section on their website about tax incentives, so they are available for metal roofs.
PATRICK: Alright. I appreciate your help.
TOM: Good luck with that project. Thanks so much for calling us at 888-MONEY-PIT.