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A metal roof will last for an average of around 50 years—usually between 40 and 75 years—which is about double the lifespan of an asphalt roof—between 15 and 30 years or 25 years on average. Installing a metal roof is usually more expensive than an asphalt roof, with an average cost of $11,400 compared to the $9,200 for an asphalt roof. However, given that a metal roof costs about 20% more and lasts twice as long, it’s typically well worth the investment and should save you money in the long run.

In the right conditions, a steel roof can easily last 50 years or more. However, your environment and maintenance play a large role in the lifespan of a steel roof. For example, if you live under a large tree that frequently drops limbs, your roof will last much less time. Metal roofs near the sea degrade faster as well due to salt in the air.

Homeowners insurance may cover the cost to tarp a roof if the type of damage falls within your coverage. For example, roof damage caused by a natural disaster may fall within your plan, and the cost of a temporary tarp may be incorporated. In general, however, simply tarping your roof for renovations will often not fall under insurance coverage.

When properly installed and maintained, a metal roof can last 50 to 80 years. However, the fasteners used to attach the roof may have a shorter lifespan than the roof panels, so it’s a good idea to inspect your roof every few years to check for wear and replace any damaged components. Metal roofs installed over shingles don’t last as long as tear-offs since the underlying roofing components can deteriorate over time, and the added weight can stress roof supports.