07/21/2026
Your handy roof guide
Roofing materials can impact durability and insurance costs. Here are some pros and cons of various roof types.
~~Asphalt shingles
Pros: Affordable, widely available, easy to install. Variety of colors and styles.
Cons: Moderate lifespan (15-30 years), may be prone to rot, decay and damage from extreme weather conditions.
~~Metal roofing
Pros: Long lifespan (50+ years), durable, fire-resistant, insect-resistant, rot-resistant, recyclable, energy-efficient.
Cons: Higher initial cost than asphalt shingles. Noisy during heavy rain or hail.
~~Clay or concrete tiles
Pros: Durable, long-lasting (50+ years), fire-resistant, energy-efficient, available in various styles.
Cons: Heavy, may require additional roof support. More expensive than asphalt shingles
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