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Class 3 and Class 4 refer to a shingle's impact resistance rating under standardized testing, with Class 4 rated to withstand a larger, higher velocity impact without cracking. In a hail prone state like Minnesota, Class 4 shingles cost more upfront but can qualify homeowners for insurance premium discounts and reduce the odds of hail damage triggering another claim down the road.
Standing Seam & Exposed Fastener Metal Roofing: Sheds snow efficiently and resists hail better than asphalt, with a lifespan that can run 40 to 70 years under proper installation.

Metal roofing costs more upfront than asphalt but typically lasts 40 to 70 years with minimal maintenance, sheds snow more effectively than shingles, and holds up exceptionally well against Minnesota's wind and freeze thaw cycles.
Metal panels shed snow more efficiently than shingles, reducing snow load buildup, and the material doesn't absorb moisture the way asphalt granules can over time. Properly installed metal roofing also handles wind uplift better than shingles in most wind speed comparisons.
A metal roof's 40 to 70 year lifespan is roughly double to triple that of architectural asphalt shingles, which is the main justification for the higher upfront material and labor cost. Panel gauge, coating type, and finish all affect both price and long term performance.
Metal roofing requires very little routine maintenance compared to asphalt, since there are no granules to lose and no shingle edges to lift in wind. Occasional inspection of seams and fasteners is typically all that's needed.
The math on metal roofing tends to favor homeowners planning to stay in a home for decades, or commercial property owners looking to minimize long term maintenance costs and roof replacement frequency across a portfolio.
If you're comparing metal to asphalt purely on today's price tag, metal will look expensive. If you compare it on a cost per year of service life basis, the picture often changes, particularly for homeowners who plan to stay put long term.
KraftMasters Restoration installs both residential and commercial metal roofing systems, and can walk through the real cost per year comparison against asphalt based on your specific home and timeline.
We start with a thorough roof inspection that goes beyond the shingles. Hail damage shows up in the granule loss pattern, at the flashing points, along the soft metals like gutters and downspouts, and sometimes in the decking underneath. We photograph every area of damage and produce documentation specific enough to support a full insurance claim.
Once damage is confirmed, we help you file the claim and coordinate directly with your adjuster. Insurance adjusters frequently underestimate granule loss, overlook collateral damage, or write a scope that does not include everything covered by your policy. We review the initial scope of loss and submit supplemental documentation when items have been missed. We do not consider this done until the approved scope reflects the actual damage.
Kraft Masters is a certified installer for the top-of-the-line materials to put on your home. From GAF Timberline HDz shingles to secure your roof to LP SmartSide siding to enhance your curb appeal. We will walk you through the best options that fit your home, and your scope of damage.
Once materials are approved and scheduled, our crew arrives with everything needed to complete the job in a single day. We inspect the decking before new material goes down, photograph each stage, and handle magnetic nail collection across the full property. No overnight weather exposure. No half-finished work waiting on a callback.
We walk the completed job with you before we leave. If depreciation has been withheld pending completion, we provide the documentation needed to release it. The job is finished when you have your roof and your full claim settlement, not just one of the two.
A: With proper installation over solid decking and underlayment, metal roofing is not noticeably louder than an asphalt roof during rain.
A: No, metal roofing does not attract lightning any more than other roofing materials, and it is actually non combustible, which is a safety advantage.
A: You can spot obvious issues like missing shingles, but hail bruising and granule loss are difficult to assess accurately without getting on the roof.
You deserve a contractor who's willing to go the distance. The insurance claims process is a marathon, not a sprint. Call KraftMasters today to schedule your free inspection, or click below to get get started instantly!
Rogers MN
St. Michael MN
Elk River MN
Maple Grove MN
Monticello MN
Albertville MN
Plymouth MN
Hanover MN
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MN License #BC646808
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