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Be empowered to make the right re-roofing decision for your home with advice from the pros   Re-roofing your home is a big deal. For the investment, you want a roof that will last, look great and provide maximum reliability and peace of mind.    Now, there’s a quick and easy resource to learn more about your re-roofing options with MRA’s Metal Roofing 101 video series, “Is Your Home Ready For A Metal Roof?” starring well-known TV personality and home improvement expert Danny Lipford. Get armed with essential facts and details when choosing and investing in a quality metal roof, and ways to ensure a successful re-roofing project. MRA offers a quick and easy resource to find out more about your home's re-roofing options with its Metal Roofing 101 video series: "Is Your Home Ready For A Metal Roof?" In just under ten minutes for the full length video version , this helpful what to know about metal roofs for my home guide offers four distinct “chapters” to help you find the specific topics or information you may need, including: How to choose the right roof for your region https://www.youtube.com/watch?v=NH5LgDAgot4 Covering what to consider in hurricane, wildfire, snow and ice and hail storm-prone areas, this short video section also covers details for how to boost energy efficiency and performance, no matter where you live. The basics of metal roofing   https://www.youtube.com/watch?v=yWUtg1KCzJU The portion of this video explores different metal roofing alloy types, quality specifications and how they impact performance. It also explains installation processes, frequently used terms and the essential details that go into a re-roofing job. Style options and how to achieve maximum curb appeal   https://www.youtube.com/watch?v=W1uTRhJ20ns In this section, Lipford showcases the wide variety of different styles, colors and patterns available by choosing metal, and explains the options for metal roofing coatings that homeowners can select from. Care and maintenance tips   https://www.youtube.com/watch?v=MG2KFpnM-1Y Learn about the ongoing care and maintenance required for metal roofs, with cleaning tips and a simple, non-toxic recipe for how to keep a quality metal roof looking as good as new for decades to come. The new Metal Roofing 101 video series is a summarized companion piece to the MRA’s popular Buyer’s Guide , a comprehensive digital guide available for free to homeowners who are considering a new metal roof.  “Re-roofing is a big investment for homeowners and our goal is to ensure they have the best, most accurate and up-to-date facts and information from our members, which include the industry’s top experts,” said Renee Ramey, MRA executive director. “Our new video series will help homeowners get a roof they not only love, but also will last and perform reliably for decades to come.”

One of the nation's leading real estate apps shares what homeowners should know about this home improvement project (article contributed by Redfin) Raising the roof is a major structural change, but for some homeowners, it can be a practical way to gain space and modernize a home without relocating. Whether the goal is higher ceilings, an added level, or turning unused attic space into livable square footage, the idea to raise a roof on a house often comes up when a home no longer fits everyday needs. This Redfin  guide breaks down what’s involved, from structural planning to material choices and resale impact. Because projects of this scale often come with a significant price tag, it’s also worth considering your overall finances—how your mortgage , budget, and long-term affordability play into your renovation decisions. What does it mean to raise a roof? Raising a roof typically means lifting the existing roof structure to add height, create another level, or convert attic space into livable square footage. Homeowners usually consider this option to add bedrooms, improve ceiling height, or modernize an older home with low, cramped rooms. While it can be done, it is not as simple as stacking new walls and calling it a day. Structural planning is everything. Structural considerations you cannot ignore Before you seriously inspect whether you can raise a roof on a house, the structure beneath it needs a close look. Roof weight, load distribution, and local weather conditions all play a role. Renee Ramey, executive director of the Metal Roofing Alliance, explains why material choice is so important. "When considering raising a roof, it is essential to take into account the weight of your roof and choose your material wisely, while considering variables like snow and ice loads, the extra weight of rooftop solar systems, etc., so it doesn't add too much structural load." When considering raising your home's roof, make sure to choose a lightweight yet strong material like metal. Photo courtesy of MRA member Ideal Roofing This is where many projects hit a wall. Older homes were not always designed to handle heavier roofing systems or additional stories without reinforcement. She adds, "For example, materials like clay tiles, slate, and even asphalt are very heavy, so may require additional support. Metal roofing, on the other hand, is lightweight yet exceptionally strong. It's designed to last for decades even in the toughest conditions, often without requiring additional structural preparations." In other words, raising a roof is not just about height. It is about how much stress the house can safely handle long term. Why roofing material matters more than you think The roof you choose can determine whether the project is feasible or extremely expensive. Lighter roofing materials  may reduce the need for costly structural upgrades. Common factors professionals evaluate include: ●       Weight of the existing roof and framing. ●       Snow, ice, and wind loads in your region. ●       Whether solar panels or HVAC equipment will sit on the roof. ●       Foundation strength and wall framing capacity. Ramey also stresses the importance of expert input, "Whatever you choose, always consult with a qualified engineer and your architect to make sure any design or structural changes you are considering are appropriate and incorporate safety above all else." That step alone, especially a roof inspection  can save homeowners from serious and expensive mistakes. Costs and timeline to expect Raising a roof is usually more expensive than a standard renovation but less costly than buying a new home in a higher price range. Costs vary widely based on square footage, roof style, materials, and labor. Most projects take several months from planning to completion. You will also need permits, inspections, and temporary relocation in some cases, especially if the roof is completely removed during construction. Is raising the roof worth it for resale? From a real estate perspective, the answer depends on your housing market . In high-demand areas where buyers value square footage and ceiling height, the investment can pay off. Adding a second story or vaulted ceilings often boosts both functionality and curb appeal. However, overbuilding for the neighborhood can limit returns. A local real estate agent  can help you decide whether it makes sense for your specific area. Final thoughts So, can you raise a roof on a house? Yes, but only with careful planning, smart material choices, and professional guidance. When done thoughtfully, raising a roof can add long-term value and meaningful living space. When done without proper planning, it can strain both the structure and the budget. For homeowners considering whether to raise a roof on a house, it’s worth exploring financing options that make large projects more manageable, like deciding to refinance your mortgage  to access better terms or free up funds before taking on a project of this size. For more about the benefits of metal roofs and what you should know before re-roofing your home, check out https://www.metalroofing.com/mra-resources

Don’t be at the mercy of higher-than-ever home insurance premiums: Take back your power with resources and ways to save. Key Points: Consider home upgrades that can help you save on homeowner insurance premiums over the long run. Regularly review your plan and home improvement priorities to determine ways to reduce your home insurance costs. Tap into available tools and resources that can help you be better informed and offer consumer protection Homeowner insurance hits your pocketbook hard, but as a homeowner—with the right tools, knowledge and resources on your side—you have the power to fight back and save. According to the pros, the best ways you can potentially amp up your home insurance savings in 2026 include: Improving your home’s resiliency Start at the top : Upgrade to newer, longer-lasting, impact and weather resist roofing, such as quality metal roofs, which are also fire and storm resistant. According to AI, this is a major rating factor in 2026 and can help you earn substantial discounts. Install protective devices:  Burglar alarms, smoke detectors and fire suppression systems can earn you discounts on your premiums. Guard against leaks : Leaks are a major cause of claims. Consider smart water-shutoff valves or leak sensors. Research shows installing these devices can reduce premiums by 2 to 6 percent. Watertight roofs like metal also help prevent external and internal water damage.   Homeowners who take steps to add more resilient upgrades to their home such as quality metal roofs often find it pays off in the long run. Being a good customer Try to avoid “nuisance” claims:  Paying for small repairs out of pocket may save you from rate increases or even non-renewals in the long run. Customers who maintain a claims-free history for 3–5 years typically qualify for significant discounts. Improve your credit score:  Research shows that customers with a bad credit score may pay as much as twice  the amount for homeowners insurance as those with good credit. Reduce your risk:   Getting rid of risky or potentially dangerous items like trampolines, playsets or pools (especially those with slides or diving boards) can reduce liability premiums.    Analyzing your policy structure and plan Consider your deductible tolerance:  One of the fastest ways to lower premiums is to increase a deductible from $1,000 to $2,500 which can save an average of 12 percent annually. However, make sure you feel comfortable doing so by having enough in emergency savings to cover a bigger out-of-pocket cost. Right-size your policy:  Calculate only the cost of rebuilding your home—not your overall land/market value—when determining what to insure to help avoid overpaying. Bundle for savings:  Give your same provider more business by combining your home and auto policy and reap a savings reward, up to 30 percent in some cases. Review your plan:  It’s a good idea to compare your plan annually, get quotes from other carriers and as an option, consult with an independent agency who can help you “shop” multiple providers. Remember, it never hurts to ask:  Special features unique to your home may qualify you for discounts or savings. Don’t wait for your provider to ask about potential discounts for having features such as a better quality metal roof, a LEED-Certified “green” home, or being a senior, non-smoker, or an active/retired member of the military.   Beyond working with and choosing the right provider, you can also find   resources and consumer advocacy groups depending on the state you live in that offer resources such as guides to policy basics, tips for choosing a policy, how to prevent damage and can help advocate for you. Here are just a few to consider:    National resources NAIC Consumer Information :  The National Association of Insurance Commissioners website offer guides, tools and resources such as how to shop for a policy. NAIC Homeowners Insurance Report :  This report provides helpful data including average costs, with both countrywide and state-specific information. Consumer Reports :  Provides a buying guide for homeowners insurance that explains the basics of coverage and what to consider when purchasing a policy.    State-specific resources State Insurance Departments:  Many states have government insurance departments that provide consumer-focused information or state insurance commissioners that serve to provide education and act as consumer advocates to protect policyholders and maintain fair, competitive markets. State-specific company comparisons:  Websites like NerdWallet , Bankrate , and  Policygenius  provide company comparisons and their average costs with information for specific states. Advocacy and assistance:  Organizations such as  United Policyholders  offer consumer rights information and guides on communicating with insurance companies.

Key points Metal roofing is not a major cause of spotty or slow home Wi-Fi or cell coverage Weak or unreliable Wi-Fi or cell connectivity often stems from a variety of issues Homeowners may want to explore options to enhance their connectivity It’s super frustrating: dropped calls, slow streaming, too much time buffering. In today’s homes, Wi-Fi and cell coverage isn’t a luxury, it’s a necessity, especially with the rise in working from home. So when things go wrong, it’s easy to point fingers and misplace blame. That might be why metal roofs are sometimes the fall guy for spotty signals. While research shows homeowners love metal roofing for how long it lasts (50+ years!), its performance in brutal weather (stands up to hurricanes!) and all the great environmental advantages (100% recyclable!), the myth that metal roofing systems block cell/Wi-Fi signals remains. However, the facts show otherwise. “The reality is any interference caused by metal roofing is negligible,” said Renee Ramey, MRA executive director. “Typically,  it’s other issues causing weaker or unreliable signals, not your roof.” After all, you can still get cell coverage in cars and they’re made of metal, right? So, what’s the deal when it comes to metal roofing getting blamed for bad connectivity? It goes back to science class: metal is known to reflect and absorb radio waves. And while cell phone signals are based on radio wave technology, they are engineered to be far more resilient these days, utilizing a range of frequencies and technologies to ensure reliable penetration through various obstacles, including different types of building materials. Experts say in some cases, the reflective properties of a metal roof can even enhance signal reception inside a building, reflecting and bouncing it from different angles. That theoretically increases the likelihood a signal finds its way to your phone. Nonetheless, no matter what roofing material you may have, if there are issues with home cell and Wi-Fi signals, it’s important to recognize and address them. For  Wi-Fi, keep in mind the quality and the strength of the signal matters far more than what building materials are used. Quality is often most impacted by where your router is located, how old it is, its positioning and whether there are physical obstructions or conflicting electrical devices that may be interfering. For cell service, good coverage is mainly affected by the things you don’t have much control over, such as the diversity of frequency bands used by the provider and the density and location of the network towers. If you have insufficient or weakened connectivity and are worried a metal roof might further contribute to the problem, MRA experts like member McElroy Metal  recommend a few simple ways to help strengthen and stabilize your Wi-Fi and cell service, including: For Wi-Fi: Consider repositioning, updating or replacing your router  Install an access point device which can help serve as a bridge between your router and your devices Extend your Wi-Fi’s reach by adding an exterior antenna Check with your provider to see if the wired connectivity to your house is secure and working without interruption Other options include investing in a mesh network and shutting down any unused devices that may be diverting your Wi-Fi and affecting its capacity For cellular reception: Choose a provider that offers strong service coverage in your area If your Wi-Fi signal inside your home is strong and stable, simply enabling Wi-Fi calling can significantly improve reliability and quality of your reception Install a cell phone signal booster can help capture weak outside signals via an external antenna and rebroadcast it into the home Consider Femtocells –also known as network extenders–that can act like mini cell towers by connecting to the home’s broadband internet service and converting it to cellular signals External antennas also can help if you’re in a particularly challenging or remote location The bottom line? With some simple steps and a little attention to planning, there’s no need to sacrifice connectivity to get the long-lasting roof protection your home deserves. Explore more: Why metal roofs are more sustainable   Metal roofing myth-busters video  featuring building influencer Matt Risinger https://www.youtube.com/watch?v=RncrBzPKfcE Metal Roofing 101: A step by step video guide  with home improvement expert Danny Lipford https://www.youtube.com/watch?v=oXtqR81ATIA

Key Points: Fall is the perfect time to get your home’s roof ready for winter storm season Simple maintenance can help prevent costly damage, and make your roof last longer Dangers such as ice damming and rooftop snow avalanches can be avoided by taking preventative steps Getting your roof winter ready includes snow guard systems designed to control snow and ice melt. Image courtesy of MRA member S-5! https://www.s-5.com/ Have you been avoiding saying goodbye to summer’s nice weather and putting off preparing for the arrival of winter’s colder temperatures? You’re not alone, but it’s time to face facts and get ready for the coming season, say the leading roofing experts from MRA .   “Fall is a great time to tackle essential projects such as roof care and maintenance,” said Renee Ramey, MRA executive director. “That way, you won’t be caught off-guard when colder weather hits.” Putting a little effort into performing simple roof maintenance tasks  is a great way to prevent costly damage and leaks caused by severe weather and freezing temperatures. It can also extend the life of your roof and keep you comfortable all year long. To get winter-ready, MRA roofing experts share these  key tips: 1)       Clean your gutters Falling leaves mean one thing…it’s time to focus on your gutters. The MRA roofing experts all agree: regular gutter maintenance is essential for helping properly drain water. That’s because the build-up of debris can not only damage a roof, but overflowing gutters can lead to serious problems, including foundation issues and the potential for leaks. Make sure gutters are securely fastened and ready to stand up to the weight of heavy snow and ice.   2)       Trim trees and bushes If you’ve got tree limbs growing over your house, it’s time to do some trimming. Ice and snow can cause branches to snap and break, and if they land on the roof, it can cause major damage. Plus, keeping those branches away from your rooftop will help keep gutters clean and reduce the amount of maintenance needed. Remember, when it comes to impact and high wind resistance, metal roofs are among the strongest and most secure while being the lightest weight–perfect for standing up to heavy snow loads and blizzard-like conditions.   3)       Deal with dirt and debris It’s definitely not a pretty sight and it can cause real damage, too: In wet winter climates, rooftop moss and algae often lead to rot and even loosens shingles on wood shakes and asphalt roofs. If you live in a place prone to these issues, you may need to get your roof treated and cleaned by a professional on an annual basis which is an expensive proposition and can shorten the lifespan of your roof.   This is another area where metal roofing’s performance really outpaces the competition, according to Ramey.  Since their smoother surfaces tend to cause debris and organic matter to slide off verses stick, metal roofs are often much easier to clean with just a simple squirt of water and gentle soap.   4)       Pay attention to what’s underneath MRA experts agree that adding or replacing attic insulation and ensuring proper venting is a sure-fired way to keep your home comfortable and protected in any season. Consider having a professional roofer conduct an energy audit in your attic and double-check your ventilation, which is important to help control wintertime humidity that may build up.   5)       Put your guards up Every year, major winter cold snaps lead to costly ice dam issues, especially for owners of asphalt roofs. MRA members point out that metal roofs not only help prevent ice dams from forming in the first place, but they can also be outfitted with special snow guards and accessories to help keep frozen precipitation in place and allow it to melt or slide off in small pieces rather than dangerous chunks.   6)       Get an expert evaluation Remember, an experienced roofing pro can identify potential trouble spots, point out needed maintenance and recommend proper repairs for minor problems before they turn into major issues. If a replacement is needed, it pays to do your homework  and learn what type of roof will hold up best in your region. Tap into free resources such as MRA’s Buyer’s Guide https://metalroofing.com/wp-content/uploads/MRA-Buyers-Guide-v2024-05.pdf and be sure to choose a worry-free option that will last for decades while delivering low-maintenance protection to maximize long-term savings. 7)       Ensure safety above all else Last but certainly not least, safety is the number one top priority for any type of roof maintenance or care. Ramey emphasizes that rooftop falls can be dangerous and even deadly. Never get on a roof without proper safety gear, in inclement weather conditions, or if you feel unsafe, insecure or unsteady. Better yet, leave all rooftop inspection and maintenance to a qualified, experienced pro who is licensed, bonded and insured.    Explore more: Is a metal roof right for your home?   Metal Roofing 101: A step by step video guide https://www.youtube.com/watch?v=oXtqR81ATIA

Rooftop rainwater harvesting systems are trending this season. How you can help solve water shortage crises, one rooftop at a time Key Points: Easy, affordable and effective: simple rooftop rainwater systems allow you to harvest and use water for your own needs Collecting rainwater begins with selecting the right roof for your home See how a new home in Arizona’s severe drought zone maximizes water supply with an innovative rooftop rainwater collection system An innovative metal roof rainwater harvesting system is the star of the latest Build Show project https://www.youtube.com/watch?v=HnAtex2Scwc Precious water. For lots of homeowners living in arid and drought-prone climates, every drop counts. With the fall and winter rainy and snowy season now beginning, there’s a simple and straight-forward way to take advantage of rainwater, ice and snow melt to store and use for your own purposes. R ooftop rainwater is an accessible and economically viable option,  and the good news is it’s easy to do.   Basically, instead of allowing water to drain away, put your gutters to work and channel all that water into a storage vessel instead. Storage can be as small as rain barrels that keep a few gallons of non-potable water handy for watering plants and augmenting irrigation systems, or they can be as elaborate as large cisterns that supply an entire household’s potable needs (when properly filtered, disinfected and tested). Rooftop rain collection systems can make a big difference to your water supply: One inch of rainfall on 1,000 square feet roof yields an incredible 623 gallons of water. Well-known architect and social media influencer Steve Baczek of the Build Show recently showed off a home building project in Cave Creek, Arizona, located in an area that gets only 11 inches of rainfall a year. Using the right roofing materials and an innovative design to capture and maximize every drop, Baczek shares why metal roofs and rainwater systems make perfect sense in his just-released video https://www.youtube.com/watch?v=HnAtex2Scwc . Rainwater harvesting 101: It’s all about the right rooftop As Baczek points out, when it comes to home rainwater harvesting systems, your home’s roof is one of the single most important components. Some experts warn that older shingled (asphalt) roofs made before 1980 may contain asbestos which is hazardous if disturbed. Even if your shingles are new, not all varieties are safe for water collection because they can leach contaminants and large chunks of grit. Some experts say to avoid collecting water from an asphalt shingled roof in the first three years following installation, to give the installation adhesives time to off-gas. While research varies on whether toxins may leach from materials like asphalt, the real concern when it comes to rainwater harvesting is how best to reduce the potential contaminants that grow on the roofing material itself. Compared to other materials, metal roofs have much lower concentrations of dissolved organic carbon and other bacteria. That’s because metal roofs are often coated in anti-microbial paint systems, meaning they will shed larger organic matter more quickly and don’t have cracks and crevices that may allow harmful microorganisms to grow. Galvanized and Galvalume metal roofs also are ideal as they are coated with a layer of zinc which seals the material, preventing rust and lowering levels of iron in the water. Metal roofs also are durable and strong enough to withstand the intensity of heavy rain and weight of snow and ice, and well-built metal roofing systems with properly designed gutters and downspouts provide an easy and efficient path for water to travel, even for low-sloped roofs. No matter what type of roof you may have, experts emphasize that any water collected should always be filtered, and decontaminated before use. This is critical for any harvested water used inside the home for consumption. And speaking of metal roofs and rain, it’s a common myth that metal roofs are noisier than other types in heavy downpours. The truth is that when properly insulated and installed, metal roofs are no louder than any other type of roofing materials, so you can go ahead and harvest rainwater from a metal roof without worry. Key rooftop components: What to consider While rainwater collection systems are typically very basic and easy to use, the best time to plan for them is when installing a new roof or reroofing your home. Working with your installer, a few key things to know: You can collect rainwater from any type or shape of gutter. No special gutter is needed. Your gutters should have protective screening to help keep large debris out. Your roof grade matters: steeper slope allows for quicker run off and less chance for potential organic containments to build up An additional filtration opportunity is available with the installation of a rain head (downspout filter) that allows for more self-cleaning. A first-flush diverter also helps prevent the first flush of contaminated rainwater from entering your storage container/tank. Ideally, you should already have a plan for storage in place so your installer can plan for and retrofit downspouts and connection points as appropriate. Keeping your roof clean and ongoing maintenance also is important. Fortunately, today’s quality metal roofs are exceptionally easy to clean with gentle, non-toxic methods that call for plain water and some mild, biodegradable soap if needed.   Explore more: Why metal roofs are more sustainable   YouTube influencer and architect Steve Baczek and builder Matt Risinger discuss why metal roofs are best for rainwater collection systems https://www.youtube.com/watch?v=HnAtex2Scwc Explore and compare whether a metal roof is right from your home with MRA’s free and comprehensive Buyer’s Guide

Yes, you can fight unreasonable HOA restrictions: Experts share top tips, resources for how   Key Points: Antiquated HOA rules may prevent homeowners from making exterior improvements that enhance the quality, performance and longevity of their home and neighborhood. HOA regulations and CC&Rs can be updated and changed by following the proper procedures. They must also comply with enforceable standards. MRA offers resources to learn more about how HOAs operate and their oversight. Updating HOA rules to include more sustainable, longer lasting building materials like metal roofing can increase neighborhood appeal and make them more resilient. Image courtesy of MRA member VicWest While “love” is probably too strong of a word, a lot of homeowners appreciate their Homeowners Associations (HOAs) for a certain standard of living they help protect. That includes maintaining design standards, enhancing security and/or ensuring community amenities are available and maintained. However, there are times when having an HOA can seem like more of a headache than a help. That’s especially true when it comes to exterior renovation projects. Potential conflicts can arise between what you as a homeowner wants and your HOA. And frustration caused by perceived over-reach, arcadian rules and nebulous decision-making can make paying those HOA dues every year beyond painful. Even home improvements that enhance the quality of your home, protect your investment and increase your neighborhood’s overall resiliency aren’t immune to outdated or biased HOA regulations. “Unfortunately, it’s not uncommon to hear cases where  a homeowner wants to put on a better quality, more protective and longer-lasting metal roof, but they can’t because their neighborhood has antiquated HOA restrictions forbidding them,” said Renee Ramey of the Metal Roofing Alliance. “That’s a shame because it prevents homeowners from choosing more sustainable, easier-to-maintain options that are designed to better protect their home, and ultimately, their neighborhood.” As a homeowner, it helps to know that you do have rights and there are opportunities to advocate for changing and updating your HOA’s rules . Working with your HOA board is the first step. While procedures can vary, this typically involves: Reviewing your HOA bylaws, covenants, conditions and restrictions (CC&Rs)  to identify the process for amendments. Rules and regs can often be changed by the board, while bylaws and CC&Rs usually require a homeowner vote. Drafting a proposal.  Write a proposal that describes the rule you want changed and why. It can help to get other homeowners to support your proposal. Submitting your proposal to your HOA board for review. Depending on the type of change, procedure to adopt or reject may vary. It’s also helpful to know there are 4 standards that an HOA rule must meet to be enforceable , including: Compliance with state and federal laws. Solar panels are an example of something HOAs can not ban or restrict due to “solar access laws” that are on the books in many states. Same with building codes and standards. Reasonableness of the rule. Consistent enforcement for all homeowners. Proper adoption procedures must be followed to enact rules. Vague or arbitrary restrictions also may be deemed unenforceable. For example, if an HOA deems that only “shake style” roofs can be used but does not specify a particular material, a homeowner could reasonably assume that any material that mimics a shake shingle roof ought to be allowable.   HOAs are undoubtedly powerful and have a lot of leeway to set standards, but if you find yourself not being able to make improvements that will add to the overall quality, performance and liveability of your home due to ill-informed rules, remember, you can take action to potentially get rules and bylaws changed. Below are a few additional resources to tap into to learn more: Community Associations Institute (CAI) website  offers general information about how HOAs operate. CAI advocacy page  provides links to state statutes and legislative tracking, plus information about local chapters. HOA-USA website  can help you track down directories of management companies by state. It also provides educational articles and board training videos. HOALeader.com :  A general resource for HOA board members, with articles on topics like conflict resolution and legal issues (not state-specific).

Roofing experts share 5 questions you should ask if you want lower premiums Key Points: Affordable home insurance is getting harder to find but making the right home improvement decisions can save you money. Metal roofs are among the most durable and often most favored by insurance companies, qualifying them for potential discounts. Take an insurer's point of view when it comes to deciding what type of roof is right your home and your region by asking 5 essential questions. Are you experiencing sticker shock when it comes to increases in home insurance costs? Or worse, are you having trouble getting home insurance at all? In places like Florida and California where climate disasters have skyrocketed, some homeowners are finding it near impossible to get affordable coverage to protect their home https://www.cnbc.com/2024/07/02/florida-california-insurance-crisis-spreading-your-state-next.html . But by making the right home improvement decisions, you may be able to lower the cost of your insurance premiums. This is particularly true when it comes to re-roofing decisions. Choosing a metal roof can better protect your home in severe weather climates, leading some insurers to potentially offer home premium discounts for them Using more durable materials like metal can reduce your homeowner’s insurance costs because it helps protect against damage and costly repairs. Many home insurance companies prefer quality metal roofs and will offer discounts to homeowners who install them.  Why?  Because most quality metal roofing systems are more resilient against high winds, offer a Class A rating (the highest possible) for wildfire, and provide a Class 4 rating for hail damage protection (according to UL Standard 2218 classification system). Metal roofing also is stronger and lighter, making them better able to withstand heavy snow and ice buildup loads - severe winter conditions that could cause inferior or worn out roofs to collapse. Depending on your region, insurance companies may go beyond just evaluating the age, condition and shape of your roof when determining costs. To understand how your roof plays a role in your home insurance premiums, take an insurer’s point of view. In general, here are five things insurers look for when it comes to evaluating how protective your roof is (hence, how it may help guard against costly damage and repairs): 1)        Is the roof made from quality, highly durable materials? Metal roofs are more durable and oftentimes the most favored by insurance companies when they consider potential discounts. Slate and tile are also strong against fire, rotting and insects but they can crack and are heavy. The least favorable choices include asphalt which can be short-lived and easily damaged by severe weather extremes. It also wears out faster. Wood roofs are considered the worst by insurance companies due to fire danger and the threat of displaced, rotten or worn out shingles which can cause major damage. In some areas, you may be required to apply a fire retardant to get coverage, or you may be denied coverage altogether.  Especially in hurricane and hail regions where flying debris and severe impacts cause millions of dollars in rooftop damage every year, states like Florida and Texas use ratings for rebate programs such as UL Standard 2218   https://ibhs.org/wp-content/uploads/2019/06/ibhs-impact-resistance-test-protocol-for-asphalt-shingles.pdf classification. UL 2218 is a rating system that assesses the impact resistance of shingles. Underwriters Laboratories (UL) tests shingles by dropping steel balls of various sizes onto them from different heights to simulate hail strikes. The shingles are then graded on a scale of Class 1 to 4, with Class 4 being the highest rating and the most impact resistant.  2)        What shape is the roofline? You may not realize it, but the shape of your roof can affect its performance. For example, hip roofs  have inclines on all sides, so to an insurance carrier, this means they can hold up against stronger winds without being blown off.  Gable roofs  are the most common in the U.S. and look like an upside-down V. These roofs can be more vulnerable to high winds, but they also shed water and debris easily.  Flat roofs  have no pitch or slope and typically aren’t favored by insurance companies because flat roofs pool water easily. Again, the type of material and installation methods chosen can help up the durability and protection of your roof, no matter what the shape. 3)        How was it installed? Whether you’re having a new roof installed or have work done on your roof, hire a certified, licensed professional. If, for whatever reason, you need to file a claim, the insurance company could deny it if the roof was not handled by a professional. Experienced installers can help you navigate proper building codes and recommend ways to further increase the protection and longevity of your roof through methods such as choosing quality underlayment, using the right attachments and clips, and making sure your roof is weather-tight. 4)        How old is the roof? Generally, home insurance premiums are higher for older roofs. However, material like metal can last up to three times longer than other types, with no compromises in performance. That could impact the policy you end up choosing. Typically, your roof will be covered by either actual cash value or replacement cash value. If your home insurance policy is for actual cash value, then your insurance carrier will pay the actual cash value of your roof at the time of covered loss (ex: hurricane). The insurer calculates the actual cash value of your roof, minus the depreciation cost according to your roof’s age, and of course, minus your deductible. If your roof is older, the higher the depreciation value. If your home insurance policy is for replacement cash value, then your insurance carrier will pay for the replacement cost value of your roof, which means the replacement cost value minus your deductible. Under replacement cost value, there is no deduction for depreciation which makes sense for more durable roofs like metal which should not be subject to standard depreciation evaluations given the fact they last far longer than other types. 5)        How well is the roof maintained? To help extend the longevity of any roof, and reduce your risk of filing a claim, proper maintenance and upkeep are  essential . Keep gutters clean, replace damaged or broken shingles, remove any debris (branches, leaves, moss, and mold), prune back any overhanging branches, have your roof routinely inspected every 2-3 years and check for pests. To make sure you and your home are protected, carefully review your policy to know if you have the right coverage for your region, especially if your home is prone to threats like hurricanes and hailstorms. Document everything, including upgrades you’ve made to your roof and be sure to keep a paper trail. If you do decide to install a more reliable roof, remember to let your insurance agent know. You could qualify for even more cost savings.

Enjoy a worry-free winter with the right rooftop snow guard system in place Key Points: If you live in an area that experiences winter snow and ice, your home may need a snow guard system. Snow guards help prevent rooftop avalanches that can severely harm people and property. For maximum protection and longevity, snow guard systems need to be designed properly. MRA experts offer 4 tips and advice to help ensure your rooftop system can stand up to winter's wrath. Think avalanches can only happen in the mountains? Think again. For homes located in snowy, icy regions, rooftop avalanches are a real threat during the cold weather season. With the potential to release thousands of pounds of snow accumulation in a split second, rooftop avalanches can severely harm and injure people and property, unless precautions are taken. Even just a few inches of ice and snow on your home's roof can cause a heavy, sudden slide, especially if you have steep pitches. That's where rooftop snow guards come into play. By holding back snow accumulation and allowing it to melt more gradually and predicably, good quality rooftop snow guards can prevent serious accidents, injuries-or worse-from occurring. Roofing experts like Renee Ramey from MRA says, “With a little care and planning, a reliable, well-designed snow guard system is an essential investment in your family's safety, no matter what wrath winter may bring." A quality, well-designed snow guard system can help prevent rooftop avalanches. Image courtesy of MRA member S-5! Snow guards may seem like a simple concept, but a well-designed system is based on math and science, not guesswork. MRA experts share the basic engineering principles to help you work with your installer to get the right snow guard system for your roof: Understand local snow loads:   Contact your local building officials to get information on the ground snow loads in your area. A roof’s potential snow load can be calculated from the ground snow load information. Evaluate your roof’s characteristics:  Your roof’s profile, material, slope, width of your panels, the rafter length (eave to ridge) and length of eaves help determine where your snow guards should be placed. Tap into resources from industry leaders such as S-5!  to help you determine what the profile of your roof is , if you don’t know. The company also offers a handy, easy-to-use Snow Guard Calculator  available online. Additionally, S-5! offers the option to have the final computations stamped by a professional engineer. Approach placement with care:  Snow guard placement should be handled by an experienced system designer or installer. To properly place snow retention systems, a clear understanding of roof geometries, how snow accumulates and how snow behaves on a metal roof is necessary. As a general guideline, the entire eave line of a building should be protected, rather than focusing on an isolated area of the roof. For safety’s sake, avoid shortcuts such as placing snow guards only above doorways, which can make snow load shedding even more unpredictable. Choose products you can count on:   Primary snow guard system components should be fabricated from noncorrosive metals and have a life expectancy at least equivalent to the roof itself. Beware of any non-mechanically fastened, plastic components or adhered products: none of these options offer long-lasting protection. Choose only products that offer proper gauge and testing verification. Even with the potential of danger, there are currently no building or governmental codes, standards or requirements for the proper installation and use of snow guards. That's why making sure your installer or roofing professional is using quality products from reputable manufacturers and following best practices set out by organizations such as the Metal Construction Association (MCA) is so important. Download MCA’s “Qualifying Snow Retention Systems For Metal Roofing” for free at https://metalconstruction.org/index.php/online-education/Snow-Retention

High tech roofs offer great SFP for your home. Here’s how they work.   Key Points: Understanding the science behind heat production can help you choose a more efficient roof for your home. Metal roofs keep homes cool and save homeowners money on utility bills by reflecting heat-producing sun rays. Experts and influencers share real-world examples (video) on how energy efficient roofs work, and offer tips on how to install an efficient new roof. Not all roofs are created equal, and with a hotter-than-ever summers in many parts of the U.S. and Canada, understanding how a roof performs to keep you cool while maximizing energy savings is key to comfort and saving money. It’s true that choosing the right materials, coatings and installation methods when replacing a roof makes a major difference to increase sustainability and comfort. It also adds up to real dollars and cents: homeowners can save substantially on annual energy costs by simply selecting the right type of roof and paying attention to proper installation practices. How can a roof increase efficiency? It’s all about shielding against the sun’s energy which includes three different types of sunrays: UV, Visible and Infrared.  Infrared, non-visible rays make up the biggest majority, and they produce heat. UV rays are non-visible, cannot be felt, yet can cause wear and tear on building materials. Visible rays account for the rest. How a metal roof works to keep your home cooler While even basic, unpainted metal roofs will reflect more solar radiation than asphalt roofs, by choosing the proper colors and coatings, low-glare metal roofs reflect most non-visible, infrared and UV rays—the kind that produce heat and are the most damaging. And by emitting as much as 85 percent of solar heat gain to help keep homes cooler, even darker color metal roofs may help lower home temperatures during sizzling summer weather. “There is a misconception out there that metal roofs may conduct more heat or cause a shiny glare when the sun hits them, but nothing could be further from the truth,” said Renee Ramey, MRA executive director. “A quality cool metal roof can reflect and re-emit heat caused by mostly non-visible rays, while also looking great and performing beautifully.” Many cool metal roofs are ENERGY STAR-qualified based on total solar reflectance and thermal emittance properties, a term that describes how much of a material’s absorbed energy is released and emitted back into the atmosphere (versus causing indoor temperatures to rise). The Environmental Protection Agency estimates an ENERGY STAR labeled roof can lower roof temperatures by as much as 100 degrees F. Even a darker color metal roof can help save money by increasing efficiency and keeping homes cooler in hot weather. Image courtesy of MRA member Ideal Roofing Influencer-endorsed: Metal roofs are the way to beat the heat Build Productions YouTube star and building expert Matt Risinger  also is a big metal roofing fan. Recently, he put different roofing materials to a real-world test to see how they perform in extreme heat conditions. As a builder from Texas, Risinger knows the need for homeowners to achieve better energy saving and stay comfortable in extreme heat and humid conditions better than most. For his test, Risinger used infrared technology and temperature gauges to measure roof surface heat and to simulate interior “attic” heat transfer. He shows how quality metal with high-performance coatings can lower rooftop solar heat gain inside and out by as much as 30 degrees compared to asphalt. Check out Matt Risinger’s “The Hottest Roofs Might Surprise You” video test at https://youtu.be/JqznvfUlGUo “Metal roofs can definitely save energy,” said Risinger. “But another reason why I really like them (metal roofs) is longevity and durability. That’s a big reason why I’ve been installing metal roofs since I started my company in 2005. It’s almost all I put on.” Well-known builder and YouTube influencer Matt Risinger puts different types of roofing to the test to see which help keep homes cooler in his latest video https://youtu.be/JqznvfUlGUo 6 expert tips for choosing an energy efficient, more sustainable roof Re-roofing your home is an ideal time to up the ante on efficiency. Roofing experts offer six pieces of advice for getting a top performing roof for your home:   Ask your installer what methods they plan to use to help ensure extreme temperature protection and performance. Certain types of underlayment and metal coatings can increase efficiency even more. Pay attention to air flow and ventilation—both of which are essential in all seasons. Good eve and ridge ventilation systems help maintain consistent roof temperatures. Check building codes in your area to make sure your insulation meets or exceeds standards. Consider other potential threats; areas that experience extreme heat also are often prone to wildfire danger. Many quality metal roof systems carry a Class A fire rating—the best in the industry for fire resistance. Ensure your installer uses quality materials from a reputable manufacturer and offers solid warranties. For metal roofs, check to see if they are members of industry-leading organizations that stand for quality, including the MRA. Choose the most sustainable material possible to help increase energy efficiency while reducing waste. Metal roofs save energy, can last up to three times as long as other materials and are 100 percent recyclable at the end of their long life.

Marine environments present homeowners with special challenges. Here’s how to protect your home with the best roofing options for a coastal home. Key Points: Homeowners living near coastlines need to pay attention to special maintenance and building considerations due to regional conditions, such as salty air, intense sun and high winds. Especially when it comes to your roof, experts advise selecting materials and installation methods suitable for marine environments. Quality metal roofing is a great choice for homes on the coast. With proper material selection, installation and maintenance, homeowners can enjoy their metal roof for many years to come. Metal roofs are a great choice for coastal living, but MRA roofing experts say attention to detail is a must. Who doesn’t dream of living along an ocean shore? That’s why so many homeowners gravitate towards coastal living. But owning a home near the coast isn’t always a breeze. There are special building and ongoing maintenance requirements when living in an area that gets a lot of salty ocean air, intense sun and high winds. That’s especially true for roofs. Quality metal roofing is known for its exceptional performance and is a smart choice for marine environments, but attention to detail is a must. According to MRA experts, these five key factors when using metal roofs for marine and coastal applications are essential for long-lasting protection and performance: #1: It’s all about location, location, location Not all marine environments are created equal. Drier coastal environments with light rainfall and heavy breaking ocean surf that cause spray and salty air (such as in Southern California) are harder on roofs and exterior building materials. Areas that receive greater rainfall help regularly rinse off salt, assisting in protecting roofs. Proximity also matters: The closer to the shoreline, the more building materials bear the brunt and corrosive effects of salty air. Paint and material suppliers typically define marine environments by distance from salt water, ranging from 1,000 feet to one mile. But not all suppliers use the same definitions, nor do they all require the same paint system. Roofing experts advise reviewing warranties carefully for specific product specifications, durations and maintenance requirements. #2: Choose alloys with coastal advantages Aluminum, anodized aluminum, stainless steel, zinc and copper are preferred for coastal environments due to their corrosion resistance. Architectural zinc products offer “self-healing,” low-maintenance, corrosion-resistant performance but can be expensive. Zinc coatings, i.e., galvanized or Galvalume coated steel, protect steel from corrosion, and typically offer more affordable protection. High performance coatings, pretreatments, primers and finish coats that serve as a barrier also can help augment and maximize protection in coastal environments, but it’s important to pay close attention to manufacturers’ performance guidelines and recommendations. A big “no-no” is using sub-quality or the wrong mix of metals for any part of the roofing system. Even if they are not visible, non-resistant and the wrong type of accessories, clips and fasteners for the can speed up the corrosion process and can lead to failure. Stainless components should never  be in direct contact with aluminum, Galvalume, or galvanized metal panels and dissimilar metals can cause galvanic corrosion and greatly impact performance. Roofing material manufacturers can provide guidance on the best choices for accessory materials to ensure all components of a metal roofing system are suitable for marine environments. #3: Pay attention to installation details All areas of a metal roof should have natural drainage and avoid causing salt water to dam. Roofing installers say that any roofing design that traps or holds salty moisture and prevent fresh water rinsing should definitely be avoided. Remember that a sloped roof is your friend in coastal environments: a low slope roof may allow salty water to sit for too long , making it subject to more severe corrosion conditions. In coastal environments, even how materials are stored prior to installation and attached to the roof decking can greatly impact longevity and performance. Minimizing exposure, including any unprotected edge is critical. Concealed fasteners are recommended to help minimize exposure to corrosive environments. Some experts advise a “hemmed” installation, meaning exposed metal edges are folded and tucked underneath so they are not exposed to environmental elements. Bottom line: the fewer discontinuities, cuts and penetrations, the better. It’s also why it’s important to look for roofing installers who are experienced and familiar with how to install a long-lasting roof with your regional conditions in mind. #4: Plan for long term care Metal roofs are super simple to clean and maintain. Often, it only takes a gentle rinse of water and maybe some mild soap to maintain a beautiful metal roof and help ensure its long life. However, homeowners in coastal conditions may want to remind themselves to rinse their roofs a little more frequently, especially if they live in areas with little rainfall and saltier air. Consider washing or rinsing roof areas where overhangs prevent rainfall from washing away salt spray deposits to protect its long-term reliability. Once again, your manufacturer’s recommendations are your best guide to properly maintain and care for your metal roof. #5: Salty air is just the start Homeowners in coastal areas need to consider all potential conditions, not just salty air. Hurricane force winds often go hand in hand with shoreline living. Hail is sometimes a challenge and intense sun, high humidity, and heat are common in coastal climates ranging from Florida and California to Hawaii. Roof systems need to be designed to handle and perform under these intense and extreme climate conditions, making strong, quality metal roofs with high performance coatings and experienced installation practices a must.

It's truth vs. fiction time: Test your knowledge about metal roofing as a superior roofing choice for your home Metal is the second most preferred type of roofing material and is quickly gaining in popularity, according to a recent study of U.S. homeowners conducted by MRA. That’s no surprise, given its long lasting performance and exceptional low maintenance benefits. However, there are still misconceptions and mistaken beliefs about metal roofs that need to be overcome, including these common myths: Well-known builder and YouTube influencer Matt Risinger of Build Productions knows a lot about metal roofs. In this video, he reveals the truths behind some of the most common myths. Metal Roof Myth #1: It will be noisy Truth: When installed correctly, a metal roof is as quiet as an asphalt roof. A combination of attic space, insulation and proper installation methods are important to reduce noise transmission for any roof, no matter what the material type, and makes the biggest difference when it comes to sound. Make sure your installer uses a good quality underlayment and adds/tightens fasteners securely to help manage noise. Metal Roof Myth #2: Style and color options are limited. Truth: A lot of people are familiar with standing seam metal roofs, but may not realize there are a nearly endless number of other options and color choices, designed to fit with the architectural style of just about any home. Metal roofs that mimic the look of shakes, slate, clay tile and even asphalt, yet offer exceptional durability and performance, are examples of the many beautiful styles available. Metal Roof Myth #3: It’s not as energy efficient. It may make my home too hot in the summer. Truth: Metal roofs have proven energy efficiency performance and are ENERGY STAR qualified as “Cool Roofs.” Even basic, unpainted metal roofs will reflect more solar radiation than asphalt, which typically absorbs and holds heat. Special metal roof coatings deliver high total solar reflectance and infrared emittance, keeping homes cool and saving energy by re-emitting most of what solar radiation is absorbed. Metal Roof Myth #4: It won’t perform as well in extreme conditions. Truth: Metal roofs are the most durable choice for withstanding extreme storms and hail, heavy snow and ice loads, and severe, hurricane-force high winds. Metal roofs also carry the highest Class A rating against ignition, maximizing protection in wildfire prone areas. Metal Roof Myth #5: It’s not as sustainable as other materials Truth: Metal roofs are one of the most sustainable choices available today because they can last 50-plus years (nearly two to three times longer than other materials), be recycled at the end of their long life rather than dumped into the landfill, and are energy efficient. Quality metal roof coatings also have lower maintenance requirements and reduce the need for strong chemical treatments for moss and fungus that can be harmful to the environment.  Metal Roof Myth #6: It’s a lot more expensive than other materials Truth: When it comes to the best investment for your improvement dollar, metal roofs deliver a great return because they last three times as long as other roofs, prevent damage, reduce ongoing maintenance effort and costs and save energy year in and year out. Metal Roof Myth #7: It will be too shiny Truth: Metal roofs with high tech coatings are designed to protect against nonvisible  sun rays, the kind that produce the most heat and are damaging to building materials. That means, homeowners do not need to worry about their rooftops giving off a shiny glare, even in bright sunlight. The invisible rays metal roofs reflect give them the ability to emit as much as 85 percent of solar heat gain to help keep homes cooler. Metal Roof Myth #8: It will be too heavy for my roof Truth: It’s understandable that some people may think of metal as heavy, but the truth is that metal roofing is much lighter per square foot as compared to other materials. As a super strong and impervious material, metal roofing punches well above its weight class when it comes to outstanding performance, yet it is so lightweight it can often be installed right over the top of an old asphalt roof to deliver great, long-term protection…no additional roof reinforcements needed. Metal Roof Myth #9: It’ll make my home more likely to be struck by lightning Truth: While it’s true metal conducts electricity, homes with metal roofs are no more likely to be struck by lightning than other homes or buildings. Attracting lightning has more to do with a home or building’s height and size rather than the materials used. The bottom line is that metal  roofs do not attract lightning  and are not struck any more frequently than other roofing materials. Fire is actually the biggest threat from lightning strikes and because metal roofing is non-combustible and carries the highest Class A rating against ignition, it is actually one of the safest and most protective materials you can use. Metal Roofing Myth #10: It will make it difficult to install a rooftop solar system Truth: Metal roofing is perfect for residential rooftop solar systems, thanks to its strength and durability. Because metal roofs last up to twice as long as solar panels, homeowners are much less likely to have to suffer through the extremely costly process of needing to remove and reinstall their system in order to replace or repair their roof. It’s also very easy to install rooftop solar panels on metal roofs with special brackets and attachment mounts designed to protect the roof’s integrity and prevent the possibility of leaks and damage.