Do you offer free estimates?

Yes! We provide free, no-obligation estimates for all roofing services. Call us at (956) 600-0501 or visit our contact page to get started.

How long does a roof replacement take?

Most residential roof replacements are completed in 1–3 days, depending on the size and complexity of your roof. We work efficiently while maintaining the highest quality standards.

How long have you been in business?

Baccaro Roofing has served South Texas for over 5 years, with more than 500 completed projects and a 5.0-star rating across our 20+ Google reviews. Ronnie Baccaro is the owner-operator and personally inspects every job. We're built on RGV referrals — most of our work comes from neighbors recommending us.

Do you help with insurance claims?

Absolutely. We have extensive experience working with insurance companies. We'll document the damage, meet with adjusters, and ensure you get the coverage you deserve.

What does a typical roof replacement cost in the RGV?

Most full residential replacements in the Rio Grande Valley range from $8,000 to $18,000, depending on roof size, slope, material (asphalt shingle vs. metal), and decking condition. Use our free Roof Cost Calculator at /roof-cost-calculator for an instant estimate, or call (956) 600-0501 for a no-pressure on-site inspection.

What roofing materials do you use?

We use top-quality materials from trusted manufacturers including architectural shingles, metal roofing, and flat roofing systems. We'll recommend the best option for your home and budget.

What warranty do you provide?

Every new roof comes with the manufacturer's material warranty (typically 30–50 years on architectural shingles, lifetime on metal) plus our 5-year workmanship warranty on installation. If anything fails because of how we installed it, we come back and fix it free. No fine print, no hassle.

Are you licensed and insured?

Yes. Baccaro Roofing is fully insured for general liability and workers' comp, and operates across the Rio Grande Valley with all required local permits pulled on every job. We carry full documentation on every job site and can provide certificates of insurance on request before any work begins.

What areas of the Rio Grande Valley do you serve?

We serve all 45+ cities across the Rio Grande Valley — Hidalgo, Cameron, Willacy, and Starr counties — including McAllen, Brownsville, Edinburg, Pharr, Mission, Harlingen, Weslaco, San Juan, Alamo, and South Padre Island. If you're in the RGV, we'll come give you a free inspection.

Do you work in Spanish too?

Yes — completely. Ronnie and most of the Baccaro crew are native Spanish speakers, and we run the entire job in Spanish if that's what you prefer: inspection notes, written quote, insurance adjuster meeting, daily progress check-ins, final walkthrough. The /techos/ section of our site and our Spanish blog posts are written in native Spanish, not translated. Roofing decisions are too important to lose detail in a language gap. Call (956) 600-0501 and ask for Ronnie en español.

Do you work on commercial roofs?

Yes. Baccaro Roofing handles flat and low-slope commercial systems — TPO, EPDM, modified bitumen, and metal — across the RGV. We work with property managers, HOAs, retail centers, and small industrial clients. Same free inspection policy: we'll diagnose what's wrong and quote it honestly before any contract.

Can I finance my roof?

Yes — financing is available on roof replacements through partner lenders so you don't have to cover the full cost upfront. Most homeowners qualify, the application is quick during your inspection visit, and we don't pull credit unless you ask. Visit baccaro-roofing.com/financing for current options, or just mention it during your free inspection and Ronnie will walk through what fits. No pressure if cash works better for you — we won't push financing on anyone.

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Baccaro Roofing GuideMetal Roof vs Shingles in South Texas: Honest Comparison

May 2, 20269 min read

TL;DR: For RGV homes with 12+ year ownership, standing-seam metal beats Class 4 shingles by ~$28,500 over 30 years (avoided re-roof + AC savings + insurance discounts). For shorter ownership or budgets under $16k, Class 4 architectural shingles win on cash-on-cash. Coastal homes (Brownsville, Port Isabel, South Padre) should always pick aluminum metal — only material immune to salt corrosion.

For a Rio Grande Valley homeowner deciding between a metal roof and asphalt shingles, the honest answer is: both work in South Texas, and the right choice depends on how long you plan to own the home.

If you're staying 15+ years and can afford the upfront cost, standing-seam metal is the better long-term investment. If you're staying under 10 years or working with a tighter budget, Class 4 impact-resistant architectural shingles are the smarter choice. Below is the head-to-head breakdown using real RGV pricing and lifespan data.

Quick comparison

| Factor | Class 4 architectural shingles | Standing-seam metal | |--------|-------------------------------|---------------------| | Upfront cost (2,000 sqft RGV home) | $12,500–$16,500 | $24,000–$32,000 | | Expected lifespan in RGV | 22–28 years | 40–60+ years | | Hurricane wind rating | up to 130 mph | up to 180 mph | | Texas insurance discount eligible | Yes (10–25%) | Yes (often 20–30%) | | Hail performance | Class 4 = best in shingles | Excellent (dents, doesn't fail) | | Heat reflectivity (lower AC bills) | Moderate | Excellent (5–25% AC savings) | | Sound during rain | Quiet | Slightly louder (varies with decking) | | Resale value boost | $3k–$8k typical | $8k–$20k typical | | Repair cost | Low (replace damaged tabs) | Higher (panel replacement) |

For more on cost specifically, see our [complete RGV roof cost guide](/blog/how-much-does-a-new-roof-cost-rio-grande-valley) or use the [Roof Cost Calculator](/roof-cost-calculator).

When metal is the better choice

You plan to stay 15+ years. The lifespan delta (60 years vs 25) means metal pays for itself over time. Cost-per-year of standing-seam metal in the RGV is roughly $500/year vs $600/year for Class 4 shingles.
Your home is in a coastal market like [Port Isabel](/areas/port-isabel), [Laguna Vista](/areas/laguna-vista), or [South Padre Island](/areas/south-padre-island). Hurricane wind ratings up to 180 mph and corrosion-resistant standing-seam systems are worth the upgrade in salt-air territory.
Your AC bills are crushing you. Reflective metal can cut summer cooling costs by 5–25% in South Texas. Over 20 years, that easily covers the price difference.
You're going for max insurance discount. Some Texas carriers stack a "metal roof" discount on top of the impact-resistance discount.
You want minimal maintenance. Metal needs basically nothing for the first 20 years.

When Class 4 shingles are the better choice

You plan to sell within 8 years. You won't capture the long-term cost-per-year advantage of metal.
Your budget caps out around $15k. Class 4 shingles get you 95% of the storm-resistance benefit at half the price.
You want the home to look traditional. Most RGV neighborhoods are shingle-roofed; metal stands out (which some HOAs restrict).
You're financing the roof. Lower principal = lower monthly payment.
You're filing an insurance claim and the carrier approved a shingle replacement. Upgrading to metal usually means out-of-pocket on the difference.

What about other materials?

3-tab asphalt shingles ($7k–$9k installed): only worth it if you're listing the home soon. Last 12–15 years in RGV heat, no insurance discount, won't survive a serious hail event.
Screw-down metal panels ($16k–$21k): cheaper than standing-seam, lasts 30–40 years. Slightly worse aesthetics, screws can need re-tightening every 10–15 years. Common on agricultural and commercial buildings in Willacy and Starr counties.
TPO / modified bitumen flat roofs ($14k–$18k for 2,000 sqft): only for low-slope or commercial. Not relevant for typical residential pitched roofs.
Tile (clay or concrete): rare in the RGV. Heavy, expensive, and overkill for our hurricane risk. We don't recommend it for most homes here.

Insurance discount math

Texas insurance discounts on impact-resistant roofs typically save $200–$600/year on a typical RGV homeowners policy. Over the life of the roof, that's:

- Class 4 shingles: ~$5,000–$15,000 saved - Standing-seam metal: ~$8,000–$24,000 saved

Either one usually pays for the upgrade vs. cheap 3-tabs within 10 years just on insurance savings. Bring your material certificates to your agent after install — many homeowners forget to ask for the discount and leave money on the table.

What we install for our customers

Most Baccaro Roofing customers in [McAllen](/areas/mcallen), [Edinburg](/areas/edinburg), and [Brownsville](/areas/brownsville) end up choosing Class 4 architectural shingles — best blend of cost, hurricane rating, and insurance discount. About 1 in 5 customers go standing-seam metal, usually because they're staying long-term or live near the coast.

We'll walk you through both options on-site, show you product samples, and give you the line-item cost difference in writing. No upselling — we install what makes sense for your specific home and budget.

Common questions

### Will a metal roof make my house too hot in summer?

No — actually the opposite. Metal reflects radiant heat far better than shingles. The exterior panels do get hot to the touch but the interior of the house stays cooler because less heat conducts through.

### How loud is rain on a metal roof?

Quieter than people expect. Modern installations include a synthetic underlayment plus solid decking, which damps almost all rain noise. You'll hear it during a hard storm but not during normal rain.

### Can I install metal directly over my existing shingles?

We don't recommend it. Tear-off lets us inspect and repair decking, install proper underlayment, and ensure flashing details are watertight. Skipping tear-off saves $1,500–$3,000 but voids most manufacturer warranties.

### Do metal roofs attract lightning?

No. Metal roofs are no more likely to be struck than any other material. If anything, they're safer — metal conducts a strike to ground faster than wood/asphalt and is non-combustible.

### How long does the install take?

Class 4 shingles: 1–3 days. Standing-seam metal: 3–7 days, longer for complex roofs. We give you a clear timeline before work begins.

Get a side-by-side estimate

Call (956) 600-0501 for a free on-site inspection. We'll quote both options — Class 4 shingles and standing-seam metal — side by side with line-item pricing so you can make the call with real numbers, not guesses.