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Installing a metal roof will rarely affect your homeowner’s insurance policy in a negative way, and you might even get a discount on your premium for installing one, depending on your area. Metal roofs can reduce the risk of structural damage from heavy snow, and they stand up better to strong winds and impact, so homeowners in areas that see excessive snowfall or extreme weather may see savings on insurance premiums after installing a metal roof.

Yes, a drip edge is necessary on a metal roof, according to the International Residential Code (IRC). Drip edge flashing prevents water from dripping onto and behind your fascia board, which prevents the board from rotting and reduces the risk of water damage behind it. On gable ends, you can either install drip edge flashing or gable-end flashing to avoid the same issues.

The paint on a metal roof will last for about 10 years (the metal roof itself has a life span of 40 to 70 years). After a decade, the metal roof’s color may be more noticeably faded, and chips and cracks may start to form in the paint.

24-gauge metal is thicker and will stand up better to impact, so it’s a better option for roofs that will see heavy snow and ice accumulation, hail storms, fallen tree debris, and blown debris. It’s a more expensive option, but it’s worth the added cost for roof longevity in extreme climates. If you live in a more moderate climate and don’t have trees overhanging your roof, 26-gauge metal is suitable and is a more affordable option.