Metal vs Asphalt in Hail Alley for Colorado Roofs

Falcon, Peyton, and Elbert County: Metal vs. Asphalt for Hail Alley Longevity and Insurance Savings

Estimated reading time: 8–10 minutes • Last updated: October 17th, 2025

Key Takeaways

• Class 4 impact resistance (UL 2218) is the benchmark for Hail Alley durability and insurance discounts—available in both standing seam metal and asphalt shingles.
• Longevity vs. upfront cost: Standing seam metal can last 50+ years but costs 2–3x more than asphalt; Class 4 asphalt typically lasts 20–30 years in harsh local conditions.
• Insurance fine print matters: Watch for cosmetic damage waivers on metal roofs that exclude coverage for non-leaking dents.
• Low maintenance: Metal needs periodic checks for fasteners/sealants; asphalt may need post-storm inspections for granular loss or damaged shingles.
• Built for the region: Both high-grade metal and Class 4 asphalt resist high UV, hail, and thermal shock common in Falcon, Peyton, and Elbert County.

Table of Contents

• TL;DR
• What You Need to Know
• How It Works / Step-by-Step
• Cost, Timelines & Warranties
• Local Considerations for Elbert County
• When NOT to Do This / Common Mistakes
• Insurance & Storm Damage Claims
• Why Homestead Roofing Colorado Springs
• Frequently Asked Questions
• Glossary
• Schedule Your Free Inspection
• Sources

TL;DR

For homeowners in Falcon, Peyton, and Elbert County, the choice between standing seam metal and Class 4 asphalt shingles depends on balancing upfront cost with long-term resilience and insurance benefits. Class 4 asphalt offers a tough, affordable, and widely accepted solution for earning insurance premium discounts, while standing seam metal provides superior longevity and durability against extreme weather, though its higher initial cost and potential for cosmetic damage exclusions in insurance policies require careful consideration.

• Durability: Standing seam metal roofs can last 50+ years, resisting wind, fire, and UV damage exceptionally well. Class 4 asphalt shingles are specifically designed to withstand hail impact and typically last 20–30 years in our harsh climate.
• Cost: Metal roofing has a higher initial investment, often two to three times the cost of asphalt. However, its longer lifespan can result in a lower total cost of ownership over decades.
• Insurance: Most Colorado insurance carriers offer significant premium discounts for installing a UL 2218-rated Class 4 roof (either metal or asphalt). However, be aware of cosmetic damage waivers on metal roofs, which may exclude coverage for dents that don’t cause a leak.
• Maintenance: Both systems are low-maintenance. Metal requires occasional checks for sealant integrity and fastener tension, while asphalt may need periodic inspections for granular loss or damaged shingles after severe storms.
• Environment: High UV radiation and temperature fluctuations in Elbert County are brutal on standard materials. Both metal and high-grade asphalt are engineered to resist cracking, fading, and thermal shock common to our region.

What You Need to Know

What Roof is Best for a Home in Falcon or Peyton?

The best roof for a home in Falcon, Peyton, or Elbert County is a Class 4 impact-resistant system, whether standing seam metal or asphalt shingles. This rating ensures the material can withstand the severe hail common to our area, which often leads to significant insurance premium discounts and a longer functional lifespan.

Homeowner Checklist for Choosing a Roof in Hail Alley

• Get an Insurance Quote: Before committing to a material, ask your insurance agent for quotes on annual premiums for both a Class 4 metal roof and a Class 4 asphalt roof.
• Review Your Policy for Cosmetic Waivers: Specifically look for language about “cosmetic damage” or “appearance-only exclusions,” especially if you are considering a metal roof.
• Consider Your Property: Do you have outbuildings or barns? Consistent roofing across all structures improves property value and simplifies maintenance.
• Evaluate Your Budget: Determine your budget for the initial installation versus the total cost of ownership over 30 years.
• Assess Ventilation Needs: For single-story ranch homes common in the area, proper ventilation is key to energy efficiency and preventing ice dams. Discuss ridge vents and soffit vents with your contractor.
• Plan for Water Management: Given the large storm cells we experience, confirm your gutter system is sized appropriately (6-inch gutters are often recommended) to handle heavy rainfall without overflowing.
• Check Local Building Codes: Verify permit and inspection requirements with the Pikes Peak Regional Building Department.
• Choose a Qualified Contractor: Select a roofing company that has extensive experience installing both metal and Class 4 asphalt systems in our specific climate.

How It Works / Step-by-Step

The process of replacing your roof involves several coordinated steps, from the initial assessment to the final warranty registration. Understanding this workflow helps you plan accordingly and ensures a smooth project.

1. Professional Inspection: A qualified roofing contractor will perform a thorough inspection of your existing roof, attic, and ventilation system. They’ll assess for storm damage, age-related wear, and underlying issues like deck rot. This step is always free with Homestead Roofing.
2. Detailed Estimate and Material Selection: You will receive a comprehensive quote outlining the scope of work, materials, and costs. This is the stage where you’ll compare standing seam metal against Class 4 asphalt shingles (like those from Brava), considering factors like color, warranty, and total cost of ownership.
3. Scheduling and Material Delivery: Once you approve the estimate, the project is scheduled. Materials, including shingles or metal panels, underlayment, and flashing, are ordered and delivered directly to your property.
4. Installation: The installation process begins with the tear-off of the old roofing material. Your roofer will then install the new system, including ice and water shield in vulnerable areas, new underlayment, and the primary roofing material, followed by flashing, vents, and ridge caps. For a typical home, this takes 1–3 days.
5. Site Cleanup: A reputable contractor will meticulously clean the site, using magnetic rollers to pick up stray nails and removing all construction debris. Your property should be left as clean as it was when they arrived.
6. Final Inspection and Warranty Registration: Your contractor will do a final walk-through with you to ensure your complete satisfaction. They will then register the manufacturer’s material warranty and provide you with a copy of their workmanship warranty.

Cost, Timelines & Warranties

The initial cost for a Class 4 impact-resistant asphalt shingle roof is significantly lower than for a standing seam metal roof. However, metal’s exceptional lifespan can make it a better long-term value, while Class 4 shingles often provide the fastest path to insurance savings.

Prices for roofing are influenced by the size and complexity of your roof, its pitch (steepness), the number of skylights or chimneys, and the specific materials chosen. Always get a detailed, written estimate from a qualified contractor.

Material Cost & Warranty Comparison

Material	Wind Rating	Impact Class	Typical Warranty	Typical Cost Range (per sq. ft. installed)
Class 4 Asphalt Shingles	110–130 mph	UL 2218 Class 4	25–50 years (prorated)	$5.50 – $9.00
Standing Seam Metal	120–160 mph	UL 2218 Class 4	40–70 years (finish/material)	$12.00 – $22.00
Brava Class 4 Composite	Up to 188 mph	UL 2218 Class 4	50-year Limited	Varies; premium

Material warranty covers defects in the roofing product itself, such as premature granular loss on shingles or paint peeling on metal panels. Workmanship warranty is provided by your contractor and covers issues related to the installation, like leaks caused by improper flashing. Be aware that a “lifetime” warranty typically refers to the period a prorated formula is used to determine the manufacturer’s liability and is not for the owner’s entire life. Verify all warranty details directly with the manufacturer.

Local Considerations for Elbert County

For homeowners in Falcon (zips 80831), Peyton (80831), Calhan (80808), and across Elbert County, local climate and building codes dictate roofing choices. Our environment is defined by severe weather that can destroy a standard roof in a matter of years.

• Extreme Hail: This area is the heart of “Hail Alley” and experiences some of the most frequent and severe hail in the country. A standard residential roof may not survive more than a few seasons. The Pikes Peak Regional Building Department, which governs local construction, strongly encourages impact-resistant materials.
• High UV Exposure: At our altitude, the sun’s UV radiation is intense. It accelerates the breakdown of asphalt, causing it to become brittle and lose its protective granules. Metal roofing with a high-quality paint finish (like Kynar 500) offers superior fade and chalk resistance.
• Wide Temperature Swings: Daily temperature changes of 40 degrees or more cause rapid expansion and contraction of building materials. This thermal cycling can stress shingles and seals, leading to premature cracking and failure.
• Ventilation for Ranch Homes: Many homes in our rural areas are single-story ranch-style houses with large attic footprints. Proper ventilation is not just a building code requirement; it’s essential for preventing heat buildup in the summer and moisture buildup in the winter, which can lead to ice dams and mold. A balanced system of soffit (intake) and ridge (exhaust) vents is crucial.
• Outbuildings and Barns: On rural properties, it’s common to have multiple structures. Using the same roofing material, like standing seam metal, across a house, barn, and sheds provides a consistent aesthetic and simplifies long-term maintenance. Metal is often a preferred choice for its ability to span long distances and its low-maintenance durability on agricultural buildings.

When NOT to Do This / Common Mistakes

• Do not install a new roof over old layers. This “layover” adds excess weight and can void manufacturer warranties. It also prevents inspection of the roof deck for rot or damage.
• Do not choose a material based on price alone. The cheapest bid is rarely the best value. An improperly installed roof will fail prematurely, causing leaks and expensive repairs.
• Do not ignore ventilation. Inadequate attic ventilation can cut shingle life in half and contribute to moisture issues and ice dams.
• Do not file an insurance claim for minor damage. Small claims can sometimes increase your premiums; minor repairs may be better handled out of pocket.
• Do not accept a roofer who offers to “cover” your deductible. This is illegal in Colorado and a major red flag.

Pro tip: Always require a written scope, installation details, and warranty terms before signing. It’s the best way to avoid surprises and ensure long-term performance.

Insurance & Storm Damage Claims

If a hail or wind storm has damaged your roof, the claims process can seem daunting. The general path is: document the damage, verify your specific policy coverage, file the claim, meet the adjuster, review their scope of work, have your contractor submit any necessary supplements for missing items, get the repairs done, and finally, request the release of the recoverable depreciation from your carrier.

Checklist: Verifying Your Insurance Coverage

Before filing a claim, locate your policy documents and confirm the following key details. This will set clear expectations and prepare you for your conversation with the insurance adjuster.

• Deductible Amount: Is it a flat dollar amount or a percentage of your home’s insured value?
• Class 4 Discounts: Does your policy provide a premium credit for impact-resistant materials?
• Cosmetic Damage Exclusion: Does your policy for metal roofing exclude coverage for dents and dings that don’t puncture the material?
• ACV vs. RCV: Is your roof covered for Actual Cash Value (depreciated value) or Replacement Cost Value (cost to replace new)?
• Code Upgrade Coverage: Does your policy include coverage to bring your roof up to current building codes during a replacement?
• Matching Endorsement: If only part of the roof is damaged, does your policy pay to replace undamaged sections to ensure a uniform appearance?

Disclaimer: This information is for educational purposes only and is not legal or insurance advice. You must verify all coverage details directly with your insurance carrier.

Why Homestead Roofing Colorado Springs

Living in Falcon, Peyton, or Elbert County means you need a roofing partner who truly understands the challenges of our local weather. At Homestead Roofing Colorado Springs, we specialize in building resilient roofing systems that stand up to Hail Alley’s worst while maximizing your home’s value and insurance benefits. We have deep experience installing both standing seam metal and Class 4 impact-resistant shingles, including premium composite options from Brava.

Our approach is centered on education. We don’t just sell you a roof; we help you understand the total cost of ownership. We’ll walk you through the pros and cons of each system, explain the insurance implications of cosmetic damage waivers, and design a ventilation strategy tailored to your home’s specific needs.

• Expert Consultation: We quote both metal and asphalt systems, giving you the clear data needed to make an informed decision.
• Certified Installation: Our crews are highly trained in the specific techniques required for each material, ensuring your roof is built to last and your warranty is protected.
• Total Property Protection: We understand rural properties. We can develop a comprehensive plan for your home, barn, and outbuildings.
• Impeccable Cleanup: We respect your property. Our team performs a thorough cleanup, including using magnetic sweeps to remove nails.
• Transparent Process: From the initial inspection to the final warranty, we communicate clearly and honestly.
• Flexible Financing: We offer financing options to help make your roofing project more affordable.

Whether you need a full roof replacement after a storm or are proactively upgrading to a more durable system, we are here to help. Explore our hail repair options or learn more about our replacement process.

Glossary

• Class 4 Impact Rating: The highest level of impact resistance for roofing materials, certified by Underwriters Laboratories (UL) under the UL 2218 standard. The test involves dropping a 2-inch steel ball from 20 feet onto the material without it cracking or splitting.
• Ice & Water Shield: A self-adhering waterproof membrane installed at the most vulnerable parts of a roof—eaves, valleys, and around penetrations—to prevent leaks from ice dams and wind-driven rain.
• O&P (Overhead and Profit): A line item on some insurance estimates that accounts for the general contractor’s business costs. It is typically 10% for overhead and 10% for profit.
• Ridge Vent: An exhaust vent installed along the peak (ridge) of a roof that allows warm, moist air to escape from the attic. It is a critical component of a balanced attic ventilation system.
• Standing Seam Metal: A premium metal roofing system featuring vertical panels joined by raised, interlocking seams. This design conceals fasteners from the elements, minimizing potential leak points.
• Underlayment: A layer of water-resistant material installed between the roof deck (the wooden structure) and the final roofing material (shingles or metal). It serves as a secondary barrier against moisture.

Schedule Your Free Inspection

Protect Your Home from Colorado’s Harshest Weather

Your roof is your home’s first line of defense. Don’t wait for the next storm to find out if it’s up to the task. An expert inspection from Homestead Roofing Colorado Springs will give you a clear, honest assessment of your roof’s condition and a no-obligation quote for a system built to last in Hail Alley.

[Schedule Your Free, No-Obligation Inspection Today]

If You Only Do 3 Things…

1. Call Your Insurance Agent: Ask about premium discounts for a Class 4 roof and check for any cosmetic damage exclusions.
2. Inspect Your Gutters and Attic: Look for shingle granules in your gutters or water stains in your attic—both are signs of potential roofing issues.
3. Request a Professional Assessment: Get an expert opinion on your roof’s remaining lifespan and its ability to withstand another hail season.

Sources

• Class 4 Impact Resistant Shingles — Underwriters Laboratories
• What Is a Class 4 Impact-Resistant Roof? — Owens Corning
• Cosmetic Damage Exclusions in Property Insurance Policies — Merlin Law Group
• Cost vs. Value Report 2025 — JLC
• Pikes Peak Regional Building Department

Frequently Asked Questions

Is a metal roof noisy in the rain?

A common myth is that metal roofs are loud during rain or hail. Modern installation methods, which place the metal over a solid roof deck and proper underlayment, mean a metal roof is often no louder than an asphalt shingle roof from inside your home.

Is a Class 4 roof really worth the extra cost?

For homeowners in Falcon, Peyton, and Elbert County, a Class 4 roof is almost always worth the investment. The potential savings on insurance premiums can often pay back the upgrade cost in just a few years, and its superior durability provides better protection and peace of mind.

Will a metal roof increase my home’s resale value?

Yes, a high-quality standing seam metal roof can increase your home’s resale value. Its longevity, energy efficiency, and low-maintenance profile are attractive features for potential buyers, who see it as a long-term asset rather than a future expense.

How do I know if my roof has hail damage?

Hail damage on asphalt shingles can be subtle. Look for dents or bruises, missing granules (which may collect in your gutters), and a “spattered” pattern on the shingle mat. On metal, you will see visible dents. It’s always best to get a free, professional inspection to confirm the extent of the damage.

What are the benefits of Brava composite shingles?

Brava composite shingles offer the authentic look of cedar shake, slate, or barrel tile but with the performance of a Class 4 impact-resistant material. They are lightweight, durable, and come in a wide range of colors, providing a high-end aesthetic without the maintenance drawbacks of natural materials.

Can my roof be repaired, or does it need to be replaced?

The decision to repair or replace depends on the age of your roof and the extent of the damage. If the roof is relatively new and the damage is isolated to a small area, a repair may be possible. However, widespread damage or an older roof at the end of its lifespan will typically require a full replacement.