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And, from the insurance companies' standpoint, we understand this. Here's a complete guide of roof insurance and how to file a homeowners insurance claim for roof damage. Certain materials, such as metal, hold up better against hail and wind. You have to factor in the longevity of a metal roof versus an asphalt shingle roof. Every 2 years after 15 years.

Call two or three pros, tell the roof wasn't installed properly, so it is the roofer's fault.

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Call two or three pros, tell the roof wasn't installed properly, so it is the roofer's fault.

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