Stone-Coated Steel vs Asphalt Shingles: What Solstice Roofing Recommends in Today’s Market

Stone-Coated Steel vs Asphalt Shingles: What Solstice Roofing Is Seeing Homeowners Choose in Today’s Market

Stone-Coated Steel vs Asphalt Shingles: What Solstice Roofing Is Seeing Homeowners Choose in Today’s Market

At Solstice Roofing, we’re seeing a clear shift in how homeowners think about roof replacement — and it’s being driven by real changes in both the housing and insurance markets.

Interest rates are high. Homeowners are staying in their homes longer. Insurance deductibles are rising, coverage is tightening, and more people are asking the same question:

“Should I wait to replace my roof — or is now the right time?”

The answer isn’t just about timing.
It depends on what kind of roof you’re choosing.

Why Roofing Decisions Are Changing Right Now

Many homeowners refinanced or purchased homes during historically low interest rates. Today, selling and buying a similar home often means nearly doubling a mortgage payment.

As a result:

• Fewer homeowners are moving
• People are planning to stay in their homes 20–30+ years
• Long-term upgrades matter more than short-term fixes

Because of this, roofing is no longer just a maintenance decision — it’s a long-term financial decision.

That’s why Solstice Roofing has shifted the conversation from “What’s the cheapest roof?” to “What roof makes the most sense for the long haul?”

Does Replacing Your Roof Increase Home Value?

This is one of the most common questions we hear, and the honest answer is simple:

It depends on the roofing system.

Here’s how we explain it at Solstice Roofing:

• Asphalt shingle roofing typically increases home value only if the existing roof was failing or near the end of its life.
• Stone-coated steel roofing can increase home value because it’s a permanent upgrade — often the last roof a homeowner will ever need.

In a market where homeowners are staying put longer, that distinction matters more than ever.

Asphalt Shingles vs Stone-Coated Steel Roofing

We install both systems at Solstice Roofing, and each has a place — but they serve very different goals.

Asphalt Shingle Roofing

• Lower upfront cost
• 20–30 year lifespan (weather dependent)
• Will need to be replaced again
• Higher long-term cost over time
• Typically higher insurance premiums
• Multiple deductibles over the life of the home
• Adds value only if the roof was failing
• Common, standard appearance

Asphalt shingles are best viewed as maintenance — similar to tires on a car. They work well, but they have a service life.

Stone-Coated Steel Roofing

• Higher upfront cost
• 50+ year lifespan (often lifetime)
• Designed to be the last roof you’ll need
• Lower long-term cost
• Often qualifies for reduced insurance premiums*
• Typically one deductible
• Permanent home value increase
• Highly resistant to hail, wind, and fire
• Premium, unique appearance
• Minimal maintenance

Stone-coated steel roofing is best understood as an investment, not an expense.

*Insurance savings vary by carrier. Always confirm with your insurance agent.

Why Solstice Roofing Calls This a “Forever Roof”

With insurance deductibles increasing and coverage becoming more restrictive, many homeowners are realizing they don’t want to:

• Replace their roof again in 20 years
• Pay multiple deductibles
• Worry about storm damage every season

That’s why more homeowners are choosing what we call a forever roof — stone-coated steel or standing seam metal systems designed to last decades longer than traditional asphalt shingles.

Imagine pulling into your driveway after a long day and knowing:

• Your roof is protected
• Your insurance risk may be lower
• You may never need to replace it again

That peace of mind is why this option is growing so quickly.

How Financing Changes the Stone-Coated Steel vs Asphalt Decision

One of the biggest reasons homeowners default to asphalt shingles isn’t performance — it’s perceived affordability.

When homeowners compare monthly payments instead of just upfront cost, the conversation often changes.

With today’s financing options:

• Premium roofing systems can be more affordable than expected
• Monthly payments may be comparable to asphalt shingles
• Homeowners can invest in a roof designed to last decades longer

Financing allows homeowners to shift from asking:
“What’s the cheapest roof?”
to
“What roof makes the most sense long-term?”

How Solstice Roofing Helps Homeowners Choose the Right Roof

At Solstice Roofing, we don’t believe in one-size-fits-all roofing. That’s why we offer a Good, Better, Best roofing approach, paired with flexible financing options.

Our goal isn’t to sell you the cheapest roof — it’s to help you choose the roof that makes the most sense for:

• Your home
• Your long-term plans
• Today’s insurance and housing market

If you’re comparing stone-coated steel vs asphalt shingles and want clear, honest guidance, Solstice Roofing is here to help — now and when you’re ready.