So basically… the Insurance uses the same or similar expected lifespan chart that Internachi does.
Case closed!!
1 Like
10 to 12 seems to be an awful lot less than 19 or 20.
Returning to the original posters question, I answered that above. Anywhere from 30 to 50 years.
It will be up to the insurance company depending on the pictures and how long you give a roof what they’re going to do with it.
Grinders are only used by amateurs or owner builders too cheap to buy the right tool. Any cut to metal roofing leaves a raw metal edge prone to rust. I have seen rust on metal roofs less than two years old when in the zone of salt from the ocean.
I was kind of thinking along the same lines as well, if a metal roof is getting salt water blown onto on a regular basis, it could certainly corrode much faster than a metal roof that’s on a house along the Ohio River.
Kinda the same thing with salt they pour on roads up north in the winter, corroding cars, as opposed to a car in Arizona where there is no salt used.
2 Likes
Very true! In fact, priming or painting sheared edges has never been needed here in GA. It might be different for coastal towns.
2 Likes
The chart is not complete as far as metal quality, thickness and engineering. Metal 17 - 20 is accurate if you are only looking at the new imported Chinese metal panels. Other types of metal that are up to and over 100 years old still functioning disprove the charts accuracy. The charts should only be a guide for inexperienced inspectors.
About a year ago, we got 20 Four-point and Wind Mitigation inspections from an insurance company. I thought, great, until one of the homeowners told me they had the inspections done two months ago. Several other homeowners also mentioned they had the inspections completed within the past six months. The homeowner, who had the inspections completed two months prior, emailed me the inspections he paid for. They were like night and day compared to ours, with the previous inspections showing straps where clips were, and the remaining life was ten years when the previous asphalt reroof permit was in 2004.
We have since had inspections, where homeowners have had the inspections completed up to 6 months prior. We are now getting referrals from several of the brokers in our area who will not refer the other inspection company.
1 Like
IMO, these charts are solely based upon the products currently available in recent years.
Example: Boilers… it was common for a residential boiler to last 40-60+ years. Todays garbage is lucky to get 20-25 years with frequent maintenance (which hardly anyone does anymore unless it breaks down)!
Like anything else in the world… they just don’t make 'em like they used to!
2 Likes
JJ, please STOP posting pictures of my appliances, and BTW, I just removed the wallpaper last month! 
4 Likes
All roof installations life expectancy will vary based on the installation technique. Roofs not installed properly are more likely to fail prematurely.
30 year old roof, on the beach (Fort Myers Beach, FL) - weather is not the only factor. Screws replaced at some point but not documented- just the home owner telling me he was proud to have “high quality stainless steel screws installed”
As was said…
I suspect the new fasteners are fine, but they were installed in previously rusted material. This retrofit did little to address the issue. That rust needed to be treated. The other mistakes don’t help either. Two forces at work here. Scammers who take people’s money and people who won’t (can’t) spend the money to have something done correctly.
Roof ventilation? LOL! 
Too bad they didn’t do that during the original installation.
yes. educate yourself on roofing. An experienced roofer can tell pretty much how much life left by the surroundings, maintenance and care.
And the initial installation was done properly.
I saw a brand new metal roof last week that leaked like a waterfall.
A little late to the party but I would not worry about this chart or having a chart to explain why a roof needs to be replaced. Citizens will take a metal roof up to 50 years as long as the condition is still acceptable. They will take an asphalt shingle roof up to 25 years as long as it has 5 years of life left, which is a bit of a catch 22. I would just plan on 20 years and to them it doesnt matter if it is a 3-tab or architectural shingle, even though it should. They do not differentiate between the two. I explain to clients buying a home that it will be difficult to obtain insurance on older roofs and to be prepared to replace. Frontline is making people replace 10 to 15 year shingles, 20 year tiles and 25 year old metal. They have great rates but that is absolutely ridiculous. It doesn’t really matter what you put for life expectancy as they will make them replace it regardless of the condition.
Simply put; A metal roof in Florida will most likely have a longer life span than the retiree that bought the house… 
2 Likes