Hail season comes back every April. Class 4 metal roofs for San Antonio and the towns along the Escarpment, installed to shrug off the storms that send everyone else up a ladder.
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Three things about living on the Balcones Escarpment that a shingle roof handles badly and a metal roof handles well.
Baseball hail strips granules off asphalt and ends the roof. A Class 4 metal panel is tested by dropping a 2-inch steel ball on it twice in the same spot. It may dent; it doesn't fail. That's the whole point of the rating.
Dark shingles soak up the sun and dump it into the attic. Kynar "cool" pigments reflect a large share of it back, and a standing seam roof on battens gives the heat somewhere to go before it reaches your ceiling.
The Hill Country side of the metro, Helotes, Boerne, Spring Branch, is wildland-urban interface. Metal panels don't burn and don't catch embers. Insurers on ridge-line lots increasingly notice.
The panel decides the look, the hail behaviour and whether your HOA signs off. Price follows from that: we quote it after we measure, not before.
| System | Best for | In a hailstorm | HOA | Fasteners |
|---|---|---|---|---|
| Standing seamConcealed fastener, 24 ga Galvalume, Kynar 500 | Most homes. Stone-and-stucco Hill Country builds, contemporary, ranch. The roof you see on the good houses in Boerne. | Class 4. Vertical panels shed water and debris; minor denting is possible on the flats, leaks are not. | Approved in muted colours by most Bexar and Comal County HOAs. We handle the ARC packet. | None exposed. Clips let the panel move with 60 degrees of daily temperature swing. |
| Metal shingle & stone-coatedStamped steel, shake or slate profile | Neighbourhoods with strict architectural rules, Fair Oaks Ranch, Cordillera, parts of Stone Oak, where a panel roof won't get through. | Class 4. The embossed profile hides small dents better than a flat panel. | Reads as shake or tile from the street. This is the one for a "no metal" board. | Concealed, interlocking. |
| R-panel / exposed fastener26 ga, screw-down, corrugated or ribbed | Barns, workshops, carports, acreage outbuildings in Bulverde and Spring Branch. Honest and cheap, on the right building. | Panels hold; the neoprene screw washers are what age out. Budget for a re-screw every 10 to 15 years. | Rarely approved on a house. Fine on the shop behind it. | Exposed. Thousands of them. Each one is a future maintenance item. |
We don't install asphalt shingles. If shingles are the right answer for your budget, we'll say so and you'll save a phone call.
Most Texas homeowner policies now carry a cosmetic damage endorsement for metal roofs. Nobody explains it until the adjuster is on the roof. Here it is in plain English.
What it says. If hail dents a metal roof but the roof still keeps water out, the insurer can treat the dents as cosmetic and pay nothing for them. Functional damage — punctures, split seams, damaged flashing, anything that leaks — is still covered.
Why it exists. After the 2016 storm, insurers were paying to replace metal roofs that still worked. The endorsement, approved by the Texas Department of Insurance, lets them stop.
What it means for you. A metal roof is the roof that survives the storm. The trade is that it may carry a few dents afterwards that are yours to live with. Most people take that trade gladly once they understand it. Nobody likes discovering it from a denial letter.
What we do about it. Every inspection separates cosmetic from functional damage, photographed and labelled, so your claim asks for exactly what the policy owes. If you already have a metal roof and the endorsement worries you, ask your agent whether it's on your policy and what removing it costs.
Four things to ask, in this order.
What happens between the hail stopping and your roof being right again, whether we installed it or not.
Same-day tarp on anything open. We photograph before we cover, because the adjuster will want to see it as the storm left it.
Every slope walked, every dent and puncture marked and labelled cosmetic or functional. You get the photo report; so does your agent.
We're on the roof with them. Metal roofs get under-scoped by adjusters who mostly see shingles; someone should be there who reads a seam.
Panel swaps, seam re-seals, flashing, ridge and trim. Or, if the roof is done, a written quote for the one that isn't next time.
Most of the roofers in San Antonio install metal. Very few will come out to fix one. Screw-down roofs from the 2000s are reaching the age where the washers give up, and standing seam from the wrong installer leaks at the penetrations.

Half the standing seam roofs west of I-10 are unpainted, and they look right on limestone. Here's how to choose.
Bare Galvalume — the 55% aluminium-zinc coating on its own. Weathers to a soft grey, costs less, and carries a long manufacturer corrosion warranty. It's the Hill Country vernacular. It is also the most reflective option you can put up.
Kynar 500 painted — a PVDF finish in muted colours that hold up under a Texas sun where cheaper SMP paint chalks and fades. Dark colours look sharp and run warmer; ask to see the solar reflectance number, not just the swatch.
Either way, you'll hold a 24-gauge sample against your stone before anything is ordered.
Every town on this list gets its own page because there's something different to say about roofing there. If there weren't, it wouldn't be here. Drive times are from downtown, roughly.
1950s to 70s ranch houses inside 410 with low-slope roofs that were never meant for a third layer of shingles; north-side subdivisions rebuilt after 2016 with a decade of Class 4 in mind.
Ridge-line lots with real wind exposure, harder freezes than the city, and HOAs, Cordillera Ranch, Tapatio Springs, with material and colour rules that decide the system before you do.
Fastest-growing part of the ring: I-35 corridor subdivisions on their first re-roof, Gruene and the river lots with older metal that needs repair more than replacement.
78023 is wildland-urban interface, cedar and live oak right up to the eaves. The fire rating stops being a footnote here, and the insurer knows it.
Acreage. One quote often covers the house in standing seam and the barn in R-panel; wells, gates and long drives change how a crew stages a job.
Three counties, one strict architectural committee. This is where metal shingle earns its keep: the look the ARC wants with the Class 4 rating the storm demands.
Newer, denser subdivisions with tighter lot lines and builder-grade shingle roofs coming due together. The HOA packet is routine; the neighbours' opinions aren't.
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Taken from the calls, not from a keyword tool.
Measured on the roof, itemised on paper, good for 30 days. Serving San Antonio and the towns along the Escarpment.