For homeowners
A roof that outlives the loan.
A Guardian metal roof is built to be the last roof your home needs — tested past 325 MPH and made to exceed Florida code. Financing lets you put it on now and pay over time, often while your insurance premium drops. Here's how the numbers work.
Homeowners can finance a Guardian metal roof through their installing contractor, spreading the cost over low monthly payments instead of paying all at once. A Guardian standing seam roof is tested past 325 MPH, exceeds Miami-Dade code, and can lower Florida insurance premiums. To see your options and example payments, get matched with a Guardian contractor near you.
Finance it through your installer.
You don't pay for a new roof all at once. Your installing contractor offers financing — including programs through partners like Acorn Finance — so a Guardian roof becomes a predictable monthly payment instead of one big check.
Terms, rate, and approval depend on the lender and your credit; your contractor walks you through the options. [Financing partner and program terms confirmed before publishing — see note.]
- Monthly payment, not one check
- Walked through by your contractor
The insurance angle
The roof can pay you back.
Florida's 2025 roof law lets insurers non-renew older roofs, and carriers price non-impact policies high. A metal roof plus a favorable Wind Mitigation Inspection can cut premiums by 15-35%.
For a lot of homeowners, the insurance savings offset a real chunk of the monthly payment. Your contractor can point you to the inspection that captures it. (Insurance figures cited from industry data — verify local applicability with your insurer.)
- 15-35% possible premium cut
- Helps keep you insurable
Why Guardian is worth financing.
Guardian (SL150) is a mechanically-seamed standing seam system tested past 325 MPH, HVHZ-rated, and built to exceed Miami-Dade code. It carries a 10-year leak-proof warranty extendable to 50 years, transferable.
Metal roofs last 40-70 years — so unlike a shingle roof you'll replace twice, this one outlives the loan and then some.
- 325+ MPH tested
- 10-yr leak-proof, to 50-yr transferable
Example monthly payments.
Illustrative only — your actual payment depends on roof size, system, lender, term, and credit. Get an exact quote from a Guardian contractor.
- Project amount
- Term
- Est. APR
- Est. monthly
Examples for illustration only. Not an offer of credit. Rates and terms are set by the lender, subject to approval. Financing is arranged through your installing contractor.
Guardian — third-party wind tested
Typical metal roof lifespan
Possible insurance premium reduction with metal + wind-mit
Transferable warranty (Guardian, extended)· TBC
The last roof your home needs — on a payment you can plan around.
How it works
How it works.
Tell us your ZIP.
We match you with a contractor who installs the Guardian system near you.
Get measured and priced.
The contractor measures your roof and gives you an exact price and financing options.
Pick your payment.
You pick a monthly payment and term you're comfortable with (subject to lender approval).
Capture the insurance discount.
Get the wind-mitigation inspection so your insurer can apply the discount.
Your roof goes on.
Your Guardian roof goes on — fabricated by Superb Metals, installed by your local pro.
FAQ
Metal roof financing FAQ
Can I finance a metal roof in Florida?
Yes. Most homeowners finance a Guardian metal roof through their installing contractor instead of paying upfront, turning the cost into a fixed monthly payment. Contractors offer programs through financing partners (such as Acorn Finance), with rate and term set by the lender and subject to approval. Get matched with a Guardian contractor to see your options.
Will a metal roof lower my insurance?
It can. A metal roof combined with a favorable Wind Mitigation Inspection can reduce Florida premiums by roughly 15-35%, and with the 2025 roof law letting insurers non-renew older roofs, an impact-rated metal roof helps keep you insurable. Savings vary by carrier and home — confirm with your insurer. Your contractor can arrange the wind-mit inspection.
How much does a Guardian metal roof cost per month?
It depends on your roof size, the system, your lender, the term, and your credit — so the only honest answer is "get a quote." A Guardian contractor will measure your roof, give you an exact price, and show financing options with real monthly numbers. Tell us your ZIP and we'll match you with one.
Does Superb Metals finance or sell roofs to homeowners directly?
No. Superb Metals fabricates the metal; we don't install roofs or finance them directly. We connect homeowners with local contractors who install the Guardian system and handle financing through their lending partners. That keeps us from competing with the contractors we supply — and gets you a licensed installer who stands behind the work.
How long does a Guardian metal roof last?
Metal roofs typically last 40-70 years — far longer than the asphalt shingles most Florida homes get replaced twice over. The Guardian system carries a 10-year leak-proof warranty extendable to 50 years, transferable to the next owner. Financed over a standard term, the roof outlives the loan many times over.
See what a Guardian roof costs per month.
We don't sell roofs direct — we make the metal and connect you with a contractor who installs it. Tell us your ZIP and we'll get you matched.