Standing seam, stone-coated steel or shingles: the short version
Standing seam gives a clean modern look with hidden fasteners and works on lower slopes. Stone-coated steel gives the look of shake or tile in light steel. Asphalt shingles, especially Class 4 impact-rated ones, cost less up front and suit tighter budgets or shorter stays. We install all three and price them side by side.
| Standing seam | Stone-coated steel | Class 4 shingles | |
|---|---|---|---|
| Look | Smooth panels, raised vertical seams | Shake, tile or shingle texture | Traditional architectural shingle |
| Fasteners | Hidden under the seams | Through the panel overlaps | Covered by the next course |
| Code minimum slope (2021 IRC) | ¼:12; the maker’s limit governs | 3:12 for metal roof shingles | 2:12 |
| Hail | Resists cracking; can dent | Many products UL 2218 Class 4; granules hide small dents | Class 4 lines resist bruising better than standard shingles |
| Summer heat | Reflective finishes shed heat well | Granule finish; check the product | Cool-rated shingles exist; dark colors absorb heat |
| Up-front cost | Higher than shingles | Higher than shingles | Lowest of the three |
Which fits your home?
Most DFW homeowners decide on three things: the look the house and HOA allow, how long they plan to stay, and how much hail exposure they carry. Metal makes the most sense for owners staying long term. Shingles make sense for tighter budgets or a likely sale in the next few years.
- Modern or farmhouse look, lower slopes, porches: standing seam.
- Traditional look, HOA rules, or replacing heavy tile: stone-coated steel. If you want real tile, see our tile roofing guide.
- Lowest up-front cost with a hail rating: Class 4 shingles, or F-Wave synthetic shingles for a slate or shake look.
How metal handles DFW hail
Metal resists punctures and cracking, but hail can dent it. The Texas Department of Insurance sums it up as tough, but not invincible. Dents that don’t let water in are usually cosmetic, and whether your policy pays for them depends on its terms, so read them before you choose.
Metal panels can also carry impact ratings. TDI lists formed metal panels among roofing types that can be tested and classified for impact resistance (TDI roofing discounts). The rating belongs to the tested product, so ask for the report on the exact panel you are quoted.
Heat, cool roofs and your energy bill
A reflective roof keeps heat out of the attic, which matters in a North Texas summer. The U.S. Department of Energy says a white or cool-color roof reflects up to 90 percent of the sunlight that hits it, and that a cool roof can cut a single-story building’s annual air conditioning energy use by up to 15 percent in hot climates.
DOE adds some limits. Cool options exist for metal, tile and asphalt shingles, so metal isn’t the only route to a cooler roof. A cool roof can add a little winter heating, though the winter penalty is often smaller than the summer savings. And it is rarely worth replacing a sound roof just to make it more reflective. The time to choose a cool roof is when you’re replacing anyway. Metal is also recyclable when it does come off.
What insurers say about metal
Insurance is where many metal decisions get made. TDI’s four key facts on metal roofs (August 10, 2026) make a good checklist: a metal roof could lower your premium, metal is tough but not invincible, your policy might not cover cosmetic damage, and terms can change at renewal.
TDI also notes that many policies reduce roof coverage as a roof ages, usually more slowly for metal than for shingles. Ask your agent these questions in writing before you sign:
- Do you offer a discount for metal, and how much is it per year?
- Does that discount add a cosmetic damage exclusion?
- How is an older metal roof valued in a claim compared with shingles?
- Do you need proof of an impact rating for the panels?
For how claims work in general, see what insurance covers.
Next steps
Every metal roof we install is priced in writing after we measure the roof and check the decking, ventilation and flashing it will sit on. Our steep-slope work, standing seam and stone-coated steel included, carries a 5-year workmanship warranty. Roof Experts, LLC has worked across DFW from Arlington since 2017.
Book a free inspection or call (817) 754-9484. We work across DFW, including Fort Worth, and the full replacement process is on our roof replacement page.
Sources
- Texas Department of Insurance, Metal roofs and home insurance: 4 key facts for homeowners (August 10, 2026)
- Texas Department of Insurance, Roofing discounts
- U.S. Department of Energy, Consumer Guide to Cool Roofs (DOE/EE-2478)
- 2021 International Residential Code, Chapter 9 Roof Assemblies (Texas edition via UpCodes)
- City of Arlington, Re-roof permits and inspections technical bulletin (September 2023)