Episode Transcript
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Speaker 1 (00:26):
Well, we got a lot to discuss today. We've been
talking a lot about roofs and it seems like they're
always talked about, and it's about asphalt shingles, and so
I thought i'd reach out to my friend Todd Miller.
He is with Classic Metal Roofing and kind of see
where the metal roofing industry is these days. I would
assume it's growing, especially with some of the natural disasters
(00:49):
that have taken place, and I think, quite honestly, some
of the not so good press that asphalt shingles are getting.
So Todd Miller, welcome that home with Gary Salvn. How
you doing.
Speaker 2 (01:00):
I'm doing fantastic. Thank you so much for having me today,
Garrett Pleasure.
Speaker 1 (01:04):
You're quite welcome. So how is the metal roofing industry going?
Speaker 2 (01:09):
You know, we continue to grow, and you hit on
something important there. A lot of times, the natural disasters
kind of point people toward, hey, there has to be
a better way to roof my home. And a few
years ago when several hurricanes hit Florida, we saw that
happen in Florida, and Florida very much has turned toward
metal in recent years, and now the big thing is
(01:31):
the horribly tragic fires out in southern California just about
a year ago. As people are starting to think about
rebuilding and even remodeling if they did survive the fires
without devastation, we are seeing a lot of heads and
thoughts turning toward metal roofing in southern California right now.
Speaker 1 (01:52):
Yeah, what kind of propped in my call to you
is well, two things happened. Number One, I saw report
where they were testing s Fhalt shingles on hell damage
and across the board. I'm gonna screw this up. There
a criterias and nobody ended up with a classification of
(02:16):
as excellent. So that was a little concerning. I know
the shingles have gotten a little thinner. I know algae
has become you know, unsightly on shingles that are over
ten years old. What else is going on? Insurance companies
they want to pro rate roofs asphalt shingles. I don't
(02:37):
know how that applies to metal. And I thought, after
I heard all of that, I said, you know what,
we got to talk to Todd about metal roofing because
you think metal roofing, and quite honestly, everybody thinks, oh
when it rains, it's going to be loud, and how's
that do with hail? So why don't you give me
the benefits of metal roofing?
Speaker 2 (02:58):
Todd And you know you touched on the insurance industry there,
and absolutely insurance is trying to figure out how they
can quit having to buy people new roasts every year.
The insurance industry and many of these hail prone areas
is extremely upside down, and so they've been looking at
(03:18):
a number of options reducing coverage. In fact, probably a
lot of your listeners have gotten letters from their insurance
companies of referenced rooft damages in hail, and most of
those letters are hard to even understand. But the point
is they're trying to figure out how to not have
to keep replacing roasts due to hal damage. And you know,
I think one of the keys that is a big
(03:40):
benefit of metal roofing is that it doesn't lose its resiliency,
It doesn't lose its strength, that it doesn't have all
these oils in it that evaporate and dry out so
that it becomes weaker with age. A metal roof will
resist hail, it will be just as resilient and high
winds just is fire resistant in thirty forty fifty years
(04:03):
as it is when it's first installed. Whereas you look
at most other roofing materials, and you know, including asphalt shingles,
including wood shingles that used to be used a lot
increasing tile. There are some newer polymer products on the market.
We're not quite sure how those are going to fair.
But you know, most of those products tend to lose
a lot of that strength and resiliency as they age,
(04:25):
and that just isn't the case with metal. So for
that reason, insurance companies like metal in a lot of
respects and in many cases where they have started to regulate, hey,
we won't ensure anybody with the roof over fifteen years old.
In most cases that those homeowners dig a little bit,
they will find that there are there is a pathway
(04:48):
for getting their roof in or their home insured if
it has a metal roof on it, despite that metal
roof maybe being fifteen, twenty, twenty five, thirty thirty five
years old.
Speaker 1 (05:00):
Not that money is the only concern, but in terms
of metal roofing that that's going to last, I think
to warrant you what fifty years or something.
Speaker 2 (05:11):
I mean you're prety common forty to fifty years, sometimes
lifetime for the initial owner.
Speaker 1 (05:17):
Yeah, how's the insurance treat doz? I mean? Is there
a discount to the homeowner in terms of insurance if
you have a metal roof.
Speaker 2 (05:26):
So it's kind of a double edged sword for the
insurance industry. They realize that metal roosts are very resilient,
very long lasting, but they also know if there's some
sort of disaster that does destroy that roof, they're going
to have a fairly expensive plane because metal roosks do
have a higher upfront cost. So what we have seen
is they will offer discounts in some areas of the country,
(05:50):
especially in hail prone areas of the country, they will
offer a discount for metal roofing. We've also seen in
some cases a homeowner might be paying extra on their
insurance if they have, say a wood roof due to
the fire hazard, or even if they have an older
asshole roof, they may still be being insured but simply
be paying more because of it. So if you replace
(06:13):
with a metal roof, make sure you go back to
your insurance got me and find out if you've been
paying anything extra for that old roof. That can now
go away now that you have a new roof.
Speaker 1 (06:23):
Yeah, we had Beth Harper on, she's an insurance broker
out of Cleveland. We had her on last week and
we've had different discussions. I knew there's big changes, you know,
with insurance and roofing, and we were talking about a
lot of those things. But I think metal roofing brings
so much more to the table than just the insurance.
And one of his energy savings. A lot of people
(06:45):
don't look at a roof as an energy saving product,
but a metal roofing can save you.
Speaker 2 (06:50):
Energy in particular during the summer. That is correct. So
today's metal roof sometimes with the coatings on them sometimes
just because of the design of the product, they're designed
to keep heat out of the attic and to be
reflective of radiant heat. And what we will often hear
from homeowners is they will see summertime energy savings of
(07:13):
around twenty percent due to reduced air conditioning needs. And
so yeah, that's pretty significant. And you know, there again,
that isn't something that you just get for the first
couple of years and it diminishes. You know, it's there
for the life of the roof.
Speaker 1 (07:28):
How about the look of a metal roof. I'm sure
there's people listening as conversation going like, yeah, but I
don't want my house to look like a mar And
that's so far from the truth. Boy, I got a
niche down in Louisville, Kentucky, and driving through down in
that area, there's a lot of metal roofs and beautiful
homes with beautiful metal roofs, and there is a there's
(07:53):
quite a distinctive look on a metal roof if you
want it kind and talk about the appearance.
Speaker 2 (08:00):
There absolutely is. There's a great variety of looks. You
can have that traditional vertical seam look if you want that,
and you know, in particular on some homes colonials or
some ultra contemporary homes, that vertical seam look looks really nice. However,
there are also a number of companies, including ours, that
(08:21):
manufacture a wide variety of metal shingles, So you can
actually have a metal roof that looks like traditional asshole shingles,
or maybe looks like a high end slate roof or
a barrel tile roof or a wood shake roof. You
can have the benefits of metal with something that doesn't
look like metal at all.
Speaker 1 (08:43):
Is there an I mean, do most roofers do metal
roofing or is it kind of a Nietzsche group of
folks that do the installation on metal roofing And how
do we find those folks?
Speaker 2 (08:58):
Sure? So, our industry has worked very, very hard to
train new installers out there, and so yes, most metal
roof or most roofing contractors will offer metal roofs, and
a lot of times they will subcontract that labor out
not to their typical asphalt crew, but to a metal
specialist crew. One of the things I really suggest people do, though, is,
(09:21):
you know, do some research online, look at the metal
roofs that you like, find some products you like, go
back to those manufacturers and say, hey, I like your product.
Who in my area is experienced installing this product? And
let the manufacturer who you know, they know who their
customers are, and they know who does things right and
(09:41):
who maybe doesn't do things right. Let them refer you
to somebody who's experienced with their product.
Speaker 1 (09:48):
Todd, when you just mentioned something that didn't even really
think of to even ask. But when you're looking for
a metal roof, you say different manufacturers and stuff. Of course,
not manufacturers are the same kind as you stated. For
as a consumer, what kind of things are you asking
or looking for in a metal roof?
Speaker 2 (10:11):
You know, I think aesthetics and warranty are a big one,
you know, I think looking at the type of coating
that's on the roof. So for many years, the really
the well most respected coating on metal roofing has been
a paint finish called kin er as a trade name,
or it's PVDF polyvanildine fluoride, and the polyvanildine fluoride is
(10:35):
an extremely robust finish that's well known for its fade
and chalk resistance. So I would certainly look into seeing
what the coating is on it, what the life expectancy,
what the fade and chalk resistance is of that coating. Yes,
you're right, there's a lot of manufacturers out there, and
you know, there are a few folks who are sort
of putting themselves out there as manufacturers, but they are
(10:58):
buying all shore products and bringing it in. You'll know
who the warranty is coming from, know exactly what the
product warranty covers, and know who stands behind that warranty.
And of course, when you buy a roof, You're probably
going to get two warranties. You're going to get a
product warranty from the manufacturer. You're going to get an
installation workmanship warranty from the contractor. You certainly want to
(11:21):
understand both of those and know who is behind both
of us.
Speaker 1 (11:26):
So the warranties, is it safe to say they're almost
double of a asphalt roof, I mean, is a just
being very general?
Speaker 2 (11:35):
You know, any warranty, of course, you always want to
look at the fine print, and there are certainly ways
to create warranties out there that have so many exclusions
in them that they look better than they really are.
But typically with a residential metal roof, we're seeing on
product warranty most manufacturers offering a lifetime warranty for the
(11:57):
life of the initial property owner, and then usually it
transfers to a forty or fifty year warranty after or
when the house is sold. A couple of things to
look at are how many times will that warranty transfer?
We'll just transfer once and never again, will transfer multiple
times during the forty or fifty years? And then look
(12:18):
at the pro ration of that warranty. Two some roofing
warranties of all products pro rate down pretty heavily, whereas say,
maybe by year five, the coverage is only fifty percent
of the value of the roof. And you know that
is all based on the fact that you did get
some value and some use out of that product. But
(12:39):
there are warranties out there that do not pro rate
at all, and so you want to make sure you
understand again exactly what that warranty covers, what its limitations are,
how transferable it is, and whether it pro rates or not.
Speaker 1 (12:54):
Certainly a metal roof is going to cost more upfront.
You had said that maybe it's a couple times. I
don't know. It's a roof that you're going to have
for the rest of your life, that's for sure. Is
there any text credits in metal roofing?
Speaker 2 (13:08):
So there was a federal tax credit for a number
of years, and that did go away at the end
of twenty twenty two. What we do see is some
local utility incentives. State of Michigan has had a program
that would help homeowners get lower interest rates for buying
(13:29):
energy efficient products. So there are some state and local
incentives out there. Usually, once you get to the point
of talking to a contractor. They're probably going to know
what incentives are available in your area.
Speaker 1 (13:44):
Excellent, Todd, Thank you so much for joining us. We're
going to do this again. I think metal roofing is
going to see a little bit of an explosion here.
I really I just feel my bones and you're my
go to guy. How do people get a hold of
you or your website? How do we get things started?
Speaker 2 (14:02):
So? My company corporate name is Isaiah Industries. They can
go to Isaiah Industries dot com. They can also go
to classicroof dot com. Or I have an educational website
at ask Toddmiller dot com and folks can reach me
through that Todd at ask Toddmiller dot com. And I've
got lots of questions on that website and things I've
(14:24):
answered and things I've helped folks with over the years.
Speaker 1 (14:28):
Wonderful. Thank you so much for joining us. You guys
have a blessed Christmas and a happy.
Speaker 2 (14:32):
New Year you too. Thank you so much, Gary taking.
Speaker 1 (14:35):
You bet you? Thanks all right, Todd Miller, I'll tell
you what he is. The man. He is the man
I go to for my information on metal roofing. I
hope he certainly has a great holiday, and we thank
him for joining us. All right, we'll take a little break.
We got Beth coming up first. If you'd like to
join us, do so. You're at home with Gary Sullivan.
Speaker 3 (14:57):
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Gary Sullivan.
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