Why upfront price is the wrong comparison
An asphalt roof in Texas heat and hail typically lasts 12–18 years. A stone coated steel roof carries a 50-year-to-lifetime warranty. Over 40 years, an owner with asphalt usually pays for two or three full replacements — each with tear-off, dumpsters, permits and inflation — plus storm repairs and deductibles in between.
The calculator adds those costs year by year and subtracts any Class 4 insurance discount from the stone coated total, so you can see when the two lines cross. Adjust the sliders to your own quotes and policy.
Want the details behind the assumptions? See how long stone coated steel lasts and whether stone coated roofs are worth it.
