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Whether a metal or shingle roof is better for you depends on your preferences. Standing seam metal roofs require little to no maintenance, but if you install a screw-down metal roof where the fasteners are exposed, the gaskets on the fasteners will dry rot and need to be replaced. Generally, screw-down metal roofs need to be re-screwed every 15 to 20 years.

Metal roofs are energy-efficient and have extended warranties, while asphalt shingles are less durable than most. They tend to lose color and get damaged over time, and absorb heat from the sun.

You cannot replace granules that have been lost off shingles. The granule embedding process is part of shingle manufacturing, and once the bond holding the granules to the shingles has been lost, the granules are gone for good. Shingles with granule loss must be fully replaced to continue offering adequate protection.

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

Gaps between tiles are necessary to help with weatherproofing, allow for thermal expansion, and increase wind resistance. In general, a small gap no larger than 3 millimeters wide will encourage proper drainage and limit cracking. Beyond that, tiles should overlap a minimum of 3 inches, except at the eaves where they should extend to the center of the gutter.