Homeowners’ associations (HOAs) play an important role in maintaining desirable residential developments and neighborhoods. The roof of your house is a major decision, of which the HOA needs to provide approval. For homeowners’ curious about adding a metal roof to their home with their HOA, this guide provides helpful information to understand the process and what to expect. Read on to learn about a four-step process for installing metal roofs and satisfy your HOA.

Step 1: Understand Related Policies

What Are HOA Regulations?

HOA regulations are rules made and enforced by the homeowner’s association that outline property requirements and limitations, as well as community-wide regulations. These rules are in place to maintain the aesthetics of the community, as well as its property values. Rules on renovating or modifying your property may include elements such as color restrictions, preferred materials, detailed instructions, and required approvals. It is the homeowner’s responsibility to make sure they understand HOA rules and regulations before making any changes.

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How to Access HOA Regulations?

The HOA governing documents can be found either online or by requesting copies from the HOA board. Depending on the state, HOAs are also required to provide potential buyers with documents in their home buyer’s packet outlining the rules and regulations of their HOA. These documents should explain what the HOA requires for any home alterations and when prior approval is needed.

Step 2: Gather Necessary Documentation

Documents Needed to Provide to your HOA

Once the homeowner has made their decision on the metal roof they will be installing, they should gather up all necessary documents. This documentation should include the roofing contractor’s proposal, any relevant roofing laws, roofing material specifications, the results of any energy efficiency testing that has been conducted, and of course, any corresponding fees that the HOA may charge.

How to Prepare Documentation

The homeowner should meet with their roofing professional to get an accurate estimate and to further understand the details of the roof sizing, roof material, roof engineering, as well as any other relevant details before finalizing the review process. Once the paperwork is in order, the homeowner should submit proof of homeowners insurance, liabilities, and other documentation to the HOA compliance department.

Step 3: Anticipate Review Timelines

How Long Does the Process Take?

The turnaround time for HOA reviews varies from association to association; however, the process typically takes two to three weeks for standard requests and modifications. Submitting the paperwork and review letter as soon as possible and allowing adequate time for the required reviews is important in reducing time delays during the process.

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Potential Problems to Consider

Homeowners should remain realistic in their expectations and watch out for red flags or potential issues that may delay the process. These flags include incomplete paperwork, using contractors who do not hold proper state licenses and insurance, and excessive requests that may not be permitted. It is also important to be aware of any violations that the HOA may have discovered in the course of the review.

Step 4: Follow Up After Submission

How To Follow Up

Once the review request is submitted, the homeowner should follow up with the HOA frequently to ensure that their requests are being addressed correctly. HOA representatives will usually correspond through email or physical mail, but they can also be contacted directly.

How to Deal With Complications

The homeowner should communicate any problems that may have been encountered during the review process with the HOA and document any issues in writing or email. If the HOA does not agree with the homeowner’s claims, the homeowner should work with their roofing contractor to review HOA guidelines and explore solutions to the problems that have been raised.

People Also Ask

Q: What Are The Benefits Of Installing A Metal Roof?

Installing a metal roof offers a variety of benefits, including its durability and longevity, its superior protection against severe weather conditions, and its energy efficiency.

Q: What Roofing Materials Does My HOA Permit?

The specific roofing materials permitted by your HOA will vary based on its regulations. Be sure to check their governing documents or contact the HOA to find out which materials are approved.

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Q: What Is The Cost For A Metal Roof?

The cost of a metal roof can vary significantly based on a number of factors, such as size, material, labor costs, and other upgrades. Generally, metal roofs can range from $9,000 to $20,000.

Q: Does A Metal Roof Add Value To My Home?

Metal roofs can provide an increase in value to your home. In addition to increasing home value, metal roofs provide a longer lifespan than traditional shingles, durability against severe weather, improved energy efficiency, and the variety of aesthetic options available.

Q: How Long Does Metal Roof Installation Take?

The amount of time it takes to install a metal roof can depend on the size of the roof and other factors, such as number of workers on the job and weather conditions. On average, metal roof installation can take one to two weeks.


Installing a metal roof can provide many benefits but the installation process can be complicated and exhausting when done without the necessary knowledge of HOA regulations. By following a four-step guide to metal roofs and the homeowners’ association, homeowners can make the installation process easier and smoother, while avoiding common issues and complications.