I'm currently trying to decide what to replace my roof with. From the bids I've gotten, a metal roof is looking to be 3x more expensive than asphalt shingles. I could use that money for lots of other projects to make my house nicer and more energy efficient.

But I can't shake the feeling that I'd be glad to have metal for some future tornado, derecho, or wildfire hitting my area. My area isn't facing insurance companies pulling out yet, but the future feels less optimistic every year.