Cost of ownership, not just installation
A $15,000 shingle roof lasting 25 years costs $600 per year. A $28,000 standing-seam roof lasting 50 costs $560 — before counting 10-25% cooling savings and insurance discounts of 5-20% for impact-rated metal. Long-haul owners come out ahead with metal in most Texas markets.
Hail: the Texas tiebreaker
Class 4 metal panels shrug off hail that totals conventional shingles, though large stones can cosmetically dent them (some policies exclude cosmetic dents — read before you buy). Class 4 shingles split the difference: impact-rated protection at shingle prices.
Looks, neighborhoods, and HOAs
Modern metal comes in low-profile standing seam and even shingle-look panels that pass most HOA reviews. Architectural and designer shingles remain the safest aesthetic match in traditional neighborhoods. Trophy installs both — our estimates price both options side by side so you can decide with real numbers.
Frequently asked questions
Is a metal roof louder in rain?
Not over a solid decking with underlayment — tests show metal roofs on modern assemblies are about as quiet as shingles.
Can you install metal over existing shingles?
Sometimes, but Trophy recommends tear-off: it lets us inspect decking and avoids trapping heat and moisture between layers.
Which adds more resale value?
Both return well; metal typically recoups slightly more in Texas because buyers value the remaining lifespan and insurance discounts.
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