Metal roofing built for Texas heat and hail
Engineered for superior durability and energy efficiency, metal roofing systems withstand the most demanding South Texas conditions, including high winds, hail, and intense heat. Their reflective properties reduce cooling costs while delivering a refined, contemporary aesthetic.
Not every shop should install metal
Plenty of metal roofing companies in San Antonio will quote a panel roof and subcontract the install to whoever's free that week. Metal punishes that: a misplaced fastener or a botched seam leaks or oil-cans within a season. We're DECRA Metal Roofing Certified and a CMG Coated Metals Partner, and that training is the whole point, because the material is only as good as the hands putting it up.
The hail numbers, by name
DECRA stone-coated steel carries a UL 2218 Class 4 rating, the highest impact class, and its warranty covers hail penetration up to 2.5-inch stones and winds to 120 mph. Standing seam panels resist puncture just as well. That certification is what stands behind the warranty when a claim gets reviewed.
What it does to your cooling bill
A light, reflective metal roof bounces back 55 to 90 percent of sunlight; a dark shingle roof reflects 5 to 20. Cooling savings of 10 to 15 percent are common for cool-roof metal, with some studies showing more. Stone-coated systems add an air gap under the panels that cuts heat flow into the attic further, which your air conditioner notices every August.
The insurance fine print on metal
Here's what we've seen in our experience with metal roofs: large hail can dent a panel, and where there are dents there's often functional damage at the seams that compromises the system, not just a cosmetic mark. Many Texas policies also carry a cosmetic-damage exclusion, so how a given dent is treated depends entirely on your policy. We can document what's up there with photos; for exactly what your policy covers, contact your insurance provider. Stone-coated profiles like DECRA also hide small dents far better than smooth panels, which is one reason we like them here.
Thinking metal but not sure it pencils out? Get real numbers for your roof, on your roof.
Get a metal roof assessmentDoes insurance cover hail dents on a metal roof in Texas?
It depends on your policy, so your insurance provider is the one to confirm it. What we've seen in our experience: many Texas policies carry a cosmetic-damage exclusion, and carriers often treat a dent that doesn't leak as cosmetic. But dents frequently come with functional damage at the seams that compromises the system, and functional damage is a different conversation. The right move is to get the roof documented with photos and take those to your insurer for an answer on your specific coverage.
Why metal
- 40 to 50 year typical service life for standing seam
- UL 2218 Class 4 impact rating (DECRA)
- Reflects up to 90% of sunlight in light colors
- Stone-coated and standing seam options
- Minimal maintenance
Towns we do this in
Standing seam and stone-coated steel suit the Hill Country's custom builds. We see the most metal on acreage properties around Boerne, Spring Branch, and Canyon Lake, where exposed ridgeline lots take wind hardest.
Also worth knowing
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