Metal Roofing- Higher cost than 3-Tab or Architectural shingles. With the higher cost, you get longer life and a more energy efficient home. Some metal roofing comes with a Entergy Star Certification. The solar reflectivity rate can range from 25%-70% vs. 3-Tab or Architectural Shingles. Some homeowner’s insurance companies offer a discount for installing a metal roof, due to the wind, fire and hail classifications and ratings. Warranties range from 40 years up to a lifetime warranty, and metal roofing has been known to last generations.