Colorado Springs, CO · Metal roofing
Metal roofing in Colorado Springs.Built for Springs hail, snow and sun.
Standing seam, stone-coated steel or metal shingles: we walk you through what each one does in 4-inch hail, heavy snow and wildfire country, what your insurance policy says about dents, and what PPRBD requires.
- 4.8★ on Google163 homeowner reviews
- Insurance-claim expertsIn roofing since 2012
- 2-year workmanship warrantyTransferable if you sell
- Financing through SlicePay over time, if approved
- Fort Collins to Colorado SpringsBased in Lone Tree
Is metal right for you?
Is a metal roof right for a Colorado Springs home?
Why Springs homeowners ask about metal. NOAA logged 387 hail reports within 10 miles of downtown from 2016 to mid-2026, including 4-inch hail near Widefield on August 6, 2018. Add 6,000-plus feet of sun, big temperature swings, snow and wildfire risk on the west side, and it’s easy to see why metal comes up at almost every replacement conversation.
What metal does well. Many metal systems carry a UL 2218 Class 4 impact rating, the top rating in that test. Metal is noncombustible, and Colorado Springs already requires at least a Class A roof covering on homes. It sheds snow, handles UV, and a good standing seam roof can carry solar on clamps without drilling through the panels.
What to know going in. Metal costs more up front than asphalt shingles, and we price it from a measured roof, not a range. A Class 4 rating doesn’t make a roof hail-proof: hail bigger than the test can still dent metal, and many insurance policies treat dents that don’t leak as cosmetic. Snow slides off in sheets, so entries, decks and gutters may need snow guards. And metal is unforgiving of bad flashing, so the installer matters more than the brand.
Straight answer
Metal is a great fit for some Springs homes and the wrong spend for others. If you’re planning to stay a long time, live near the foothills, or want solar, it’s worth pricing. If you mainly want a hail-resistant roof at the lowest cost, a Class 4 asphalt shingle may get you most of the way. We’ll price both so you can compare.
Compare metal roof types
Standing seam, stone-coated steel or metal shingles.
The three metal roofs we price most often in the Springs, with Class 4 asphalt for comparison.
| Option | Look | In hail | Snow | Solar | Good to know |
|---|---|---|---|---|---|
| Standing seam | Clean vertical panels, concealed fasteners | Thicker gauges resist denting better. Dents show on flat panels. | Sheds snow fast; plan snow guards over entries | Clamp-on mounts, no panel penetrations | Needs careful detailing at valleys, walls and penetrations |
| Stone-coated steel | Looks like shake, tile or shingle | Stone granules help hide small dents | Textured surface holds snow longer than smooth panels | Mounts like a shingle roof | Popular in HOAs that want a traditional look |
| Metal shingles (direct-to-deck) | Shingle or shake profile | Depends on product and gauge; ask for the UL 2218 class | Varies by profile | Mounts like a shingle roof | PPRBD: no mid-roof inspection on direct-to-deck metal shingles |
| Class 4 asphalt (for comparison) | Standard architectural shingle | Impact-rated; granule loss and bruising still happen in big hail | Holds snow | Standard mounts | Lowest upfront cost of the four |
General product traits, not a promise about any specific product. Ask for the exact UL 2218 class, fire rating and wind rating of whatever goes on your roof, and read the manufacturer’s warranty. Homey’s own 2-year workmanship warranty is separate and transferable if you sell.
Hail & insurance
Class 4 ratings, dents and the insurance fine print.
What “Class 4” means. UL 2218 drops steel balls of increasing size onto a roof sample. Class 4 means the sample didn’t crack at the largest size in the test, 2 inches. The Springs has seen hail twice that size, so think of Class 4 as “much tougher,” not “immune.”
Cosmetic exclusions are the fine print. Some insurers give a premium discount for impact-resistant roofs, and some attach conditions. State Farm, for example, requires an endorsement excluding cosmetic hail loss to get the discount on qualifying metal roofing. Farmers’ cosmetic damage exclusion (form J7504) can exclude hail dents to metal roofing and its trim. Read our State Farm guide and Farmers / Foremost guide, or start at the carrier guides hub.
Ask your agent before you pick a product. Ask whether you’d get a discount, what endorsement comes with it, and how a dented-but-watertight metal roof would be handled. Colorado also passed SB 26-155, the FORTIFIED roof law, which sets up future grants for hail-resistant roofs; details are still being written.
Colorado law bars roofers from paying, waiving or rebating your deductible (C.R.S. 6-22-105). Coverage decisions are made by your insurer under your policy. Homey is a roofing contractor, not a public adjuster.
Snow, wind & wildfire
What Springs weather does to a metal roof.
Snow sheds in sheets
Smooth metal lets snow slide all at once. Snow guards over doors, walkways, decks and gutters keep it from coming down on people or tearing gutters off.
Ice barrier above 7,000 ft
PPRBD requires an ice barrier from the eave to at least 24″ inside the wall line on homes above 7,000 feet. Your elevation is on the permit receipt.
Expansion and contraction
Springs temperature swings move metal panels every day. Standing seam uses clips that let panels slide; fasteners and flashing details have to allow for it.
Wildfire on the west side
The 2012 Waldo Canyon Fire destroyed 347 homes, mostly in Mountain Shadows. Metal is noncombustible; ask us about a Class A assembly and ember-resistant vents if you’re near the foothills.
Wind off the mountains
Downslope wind events hit the west side hard. Panel attachment and edge metal are where wind damage starts, so we check the manufacturer’s wind rating against your location.
Solar now or later
Standing seam can carry solar on clamp-on mounts. If you’re a Colorado Springs Utilities customer, read our net-metering timing guide before you decide.
Permits & HOA
PPRBD rules and HOA approval for metal roofs.
The Pikes Peak Regional Building Department (PPRBD) handles permits for Colorado Springs.
Metal roofs and PPRBD in Colorado Springs
- Any roof repair or replacement over 100 sq ft needs a permit, and a hired contractor must be licensed. Only an owner who lives in the home may pull their own.
- Homes in the City of Colorado Springs must have at least a Class A roof covering (solid wood roofing excluded).
- All existing roof layers come off before a new asphalt roof goes on, and plank decking with gaps over ¼″ has to be re-decked or overlaid.
- Direct-to-deck metal shingles don’t need a mid-roof inspection; tile roofs need a dry-in inspection.
- Solar arrays need their own detach-and-reset permit before they come off the roof.
Source: PPRBD Reroof Guidelines (rev. 3/5/2024). Checked Nov 9, 2026. Codes change; we confirm with the building department on every permit.
HOAs and metal
Many Springs subdivisions have design review, and some limit roof profiles or colors. Stone-coated steel is often the easiest metal to get approved because it looks like a traditional roof. Colorado law bars an HOA from requiring wood shakes or other flammable roofing and protects fire-hardened roofing materials, though HOAs can still set reasonable look-and-color rules (C.R.S. 38-33.3-106.5). Send us your covenants and we’ll prepare the submittal with product data.
Colorado Springs neighborhoods
Metal roofing across the Springs.
Where we work in the Springs
Roofs age very differently across the city: Victorian homes in the Old North End, mid-century streets around Knob Hill and Ivywild, the master-planned Briargate area, and newer east-side builds along Powers, Stetson Hills and Banning Lewis Ranch.
How it works
From first look to final walkthrough.
Free inspection
We walk the roof and the whole outside, take detailed close-up photos of every slope and elevation, and tell you straight whether a claim makes sense.
You file, we document
If it’s storm damage, you open the claim. We send the photo report and can meet your adjuster on site as your contractor.
Permit & build
We pull the PPRBD permit when the work needs one, schedule the inspection, and keep you posted with photos as the work goes.
Walkthrough & warranty
Final photos, cleanup, and Homey’s 2-year workmanship warranty in writing, transferable if you sell.
FAQ
Metal roofing questions from Springs homeowners.
Is metal roofing worth it in Colorado Springs?
It can be, especially if you plan to stay a long time, live near the foothills, or want solar. Metal is noncombustible, sheds snow, and many systems carry a Class 4 impact rating. It costs more up front than asphalt, and dents can be treated as cosmetic by some insurers, so we price metal and a Class 4 shingle side by side.
Will hail dent a metal roof?
Large hail can dent metal, even Class 4 rated panels. Class 4 means the product passed the UL 2218 test with 2-inch steel balls; Colorado Springs has had hail up to 4 inches. Stone-coated steel tends to hide small dents better than smooth standing seam.
Does a metal roof lower my insurance in Colorado?
Some insurers offer discounts for impact-resistant roofs, and some attach a cosmetic damage exclusion to the discount. State Farm’s metal roof discount, for example, requires an endorsement excluding cosmetic hail loss. Ask your agent for the discount and the endorsement wording before you choose.
What’s the difference between standing seam and stone-coated steel?
Standing seam is smooth panels with raised, concealed-fastener seams. It sheds snow fast and takes solar clamps. Stone-coated steel is shaped like shakes, tile or shingles and coated in stone granules, which hides small dents and is often easier to get past an HOA.
Do I need a permit for a metal roof in Colorado Springs?
Yes. PPRBD requires a permit for any roof replacement or repair over 100 square feet, and a hired contractor must be licensed. Colorado Springs homes also need at least a Class A roof covering.
Are metal roofs loud in hail or rain?
On a house, metal goes over solid decking and underlayment, which deadens most of the drumming people associate with metal barns and sheds. If noise is a concern, ask us about the deck and underlayment for your roof.
Do I need snow guards?
Over entries, walkways, decks and gutters, usually yes. Snow slides off metal in sheets, and guards hold it so it melts in place or comes down in smaller amounts.
Can my HOA stop me from installing metal?
HOAs can set reasonable look-and-color rules. Colorado law protects fire-hardened roofing materials and bars HOAs from requiring flammable roofing. We prepare the HOA submittal with product data so you know what will be approved.
More for Colorado Springs homeowners
Sources
Opened and checked November 9, 2026. Carrier details come from the carriers’ own pages and our full carrier guides, which cite policy forms.
- NOAA NCEI Storm Events Database
- PPRBD Reroof Guidelines (rev. 3/5/2024)
- Colorado DOI: After a Hail Storm, insurance FAQs
- C.R.S. 38-33.3-106.5 (HOA roofing material rules)
- C.R.S. 6-22-105 (roofers may not pay or waive deductibles)
- Waldo Canyon Fire (overview)
Homey Roofing and Restoration, in roofing since 2012. 10623 Ladera Pt, Lone Tree, CO 80124. Call or text (719) 882-1232, Mon–Sun 9–7.