Age - Life span

Good question. We have seen metal roofs lasting 100+ years in many areas of the country. Today's paint systems carry warranties of 30+ years but of course can be re-coated if necessary in the future. Here in my area of Ohio, I can take you by countless metal roofs that are 90+ years old.

Back to intended life span: We had these metal panels examined MSI (metallurgical) testing & engineering of Mel Rose, IL. The findings was that the Aluminum layer was up to 80% removed by the hail stones impact. Also the intermetallic layer was pretty much removed. All this creates a pathway for the water & elements to corrode the base metal. In this testing process we found the back side of these panels to have spalling from the impact. My concerns are, that do to thermocoupleing (on the bottom side) that the metal may deteriorate before its intended life span. Now the insurance only wants to coat this metal. If its original intended life span has more than 15 or 20 years left, we feel that is only a temporary repair. The customer has RCV (replacement cost value) insurance. So how can we prove that the panels should be replaced to get the customer back into the place before the storm that they were prior to the storm..... Were can I get documentation that the panels should have had a life span to reach the distance you have seen these panels last?