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Stone-Coated Steel — Metal Performance With a Traditional Look, Hides Cosmetic Hail
Decra Heritage Shake, Decra Tile XD, Boral / Westlake Royal Pinnacle, Gerard, and Westile companion concrete tile. Pressed 26-gauge steel with a chipped-stone surface that reads as wood shake, concrete tile, or slate from the curb — UL 2218 Class 4 impact, Class A fire, 120 mph wind, 50-year limited lifetime warranty. The HOA-friendly metal that hides hail dings.
Pressed Steel With a Chipped-Stone Surface — Metal Underneath, Tile or Shake on Top
Stone-coated steel is a 26-gauge pressed steel panel with a chipped-stone granule surface bonded to the substrate via an acrylic film over Galvalume corrosion protection. From the curb it reads as wood shake, concrete tile, slate, or barrel tile — depending on the profile. Underneath it performs like metal: UL 2218 Class 4 impact, Class A fire, 120 mph wind warranty, 50-year limited lifetime warranty. For homeowners who want metal's service life without the industrial look of standing seam, and for HOAs that restrict visible metal roofs, stone-coated is the right answer more often than any other metal category in our footprint.
Two practical advantages drive it over standing seam in hail country: it hides cosmetic hail in the chipped-stone surface, and it passes HOA review in covenant communities that ban visible metal. Owners who have lived through repeated hail seasons on the Front Range, in Aurora's E-470 corridor, or out in the Kansas plains often migrate from asphalt or even from standing seam straight to stone-coated for these two reasons alone.
It is also lightweight: roughly 1.5–2 lbs per square foot installed, vs. 9–13 lbs/sq ft for concrete tile. That means most homes built for an asphalt-shingle dead load can re-roof to stone-coated without structural upgrades — a meaningful difference on mid-century framing where concrete tile would require rafter sistering and engineering.
Stone-Coated Steel Profiles We Stock and Install
Decra is the oldest stone-coated line in North America — the most widely-recognized brand and our default for residential. Westlake Royal Designer Metals (formerly Boral Steel) is the premium competitor with strong color matching to Westlake concrete tile. Gerard sits inside the Westlake portfolio with tile-heavy aesthetics. Each profile below is something we actively install in our footprint.
Heritage Stone-Coated Shake
The flagship Decra profile. Reads as a heavy wood shake from the curb, with deeper color depth than the older Decra Shake.
- ProfileHeavy wood shake
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Tile XD
Updated barrel-tile profile. Deeper relief than the original Decra Tile, reads closer to authentic clay or concrete tile.
- ProfileSpanish barrel tile, deep relief
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Shake XD
Premium Decra shake with deeper texture and broader color palette. The "premium tier" Heritage upgrade.
- ProfilePremium wood shake
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Tile
The original Decra barrel-tile profile. Lower-relief than Tile XD, lower price point, classic aesthetic.
- ProfileBarrel tile, traditional relief
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Villa Tile
Mediterranean / Spanish villa profile with distinct barrel curve and high-detail relief.
- ProfileMediterranean villa tile
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Shingle XD
Reads as a heavy dimensional asphalt shingle. The "stone-coated shingle" for HOAs that won't approve shake or tile.
- ProfileHeavy dimensional shingle
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Pinnacle
Westlake Royal Designer Metals flagship. The successor to Boral Steel Pinnacle — same product, new branding since 2022.
- ProfileSlate / shake hybrid
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Country Manor Shake
Wood shake aesthetic. Color matches across Westlake concrete tile and stone-coated metal portfolios.
- ProfileCountry wood shake
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Pacific Tile / Granite Ridge
Pacific Tile is the Westlake barrel-tile profile; Granite Ridge Shingle is the dimensional-shingle equivalent of Decra Shingle XD.
- ProfileBarrel tile / dimensional shingle
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Diamond / Tilcor / Heritage
Gerard sits inside the Westlake portfolio. Tilcor is the high-relief tile profile; Heritage and Diamond round out the line.
- ProfileTile, slate, shake (Tilcor / Heritage / Diamond)
- Substrate26 ga steel + Galvalume
- Warranty50-yr limited lifetime
- Wind120 mph
- ImpactUL 2218 Class 4 standard
Westile Concrete Tile
Real concrete tile sister product to Gerard stone-coated. Mix-and-match metal and concrete on the same elevation.
- ProfileConcrete barrel / flat tile
- SubstrateConcrete (not steel)
- Warranty50-yr limited lifetime
- Weight9–13 lbs/sq ft (vs. 1.5–2 stone-coated)
- UseHOA color match on concrete-tile elevations
Metro / Tilcor Original / Boral OG
Older lines you may already have on your home. We re-roof and partial-replace using current Decra or Westlake equivalents.
- Metro Tile / RomanConsolidated into Decra (2010s)
- Tilcor (original)Now under Westlake/Gerard
- Boral SteelRenamed Westlake Royal (2022)
- CertainTeed Country ManorDiscontinued; we sub Decra
- Match StrategyClosest current profile + color match
What Decides 50 Years vs. Premature Failure
Stone-coated panels are themselves nearly bulletproof — the panel is not what fails. The batten layout, underlayment, profile-matched trim, and panel-rated penetrations are what decide whether the system delivers its 50-year warranty or starts leaking at year 12. Every install we do is built around these details.
Batten Layout Per Panel-Specific Spec
Stone-coated steel installs on horizontal battens (wood or metal) over the deck, rather than nailed direct-to-deck like asphalt. The battens create a ventilated air space below the panel that helps manage heat and moisture — and it is why the system's service life is so long. Each profile has different batten spacing: Heritage Shake, Tile, Tile XD, Pinnacle all spec different layouts in their installation guides. We install per spec exactly — on a Decra Heritage install, a Decra Tile spacing will leave panels misaligned and visible gaps from the ground.
High-Temp Synthetic Underlayment + Ice & Water
Underlayment goes over the deck, before the battens. We install a high-temperature synthetic underlayment rated for 240°F+ continuous, with full peel-and-stick ice-and-water shield in valleys, eaves, around every penetration, and at ridges on low-slope sections. Class 4 hail country adds full-coverage I&W on low-slope and re-entrant geometry. The batten-and-panel layer above is the durable layer; the underlayment is the secondary water barrier and has to be specified to outlive the panel.
Profile-Matched Trim Package
Decra and Westlake Royal both sell full trim packages matched to each panel profile — eave starter, ridge cap, hip cap, gable trim, valley flashing, and headwall flashing all formed to the panel rib geometry. Generic metal trim does not seat to the panel profile and leaves visible gaps from the ground. We install only the manufacturer's matched trim — the small premium on the trim package is minor compared to the cosmetic and warranty implications of generic substitutes.
Panel-Rated Pipe Boots and Curb Flashings
Standard asphalt pipe boots do not work on stone-coated steel. The boot has to be sized for the panel air-gap and the chipped-stone surface, with a flange that follows the panel profile. We install EPDM-rated boots matched to each penetration, and curb flashings around HVAC, chimneys, and skylights using manufacturer kits. Every penetration on a stone-coated roof is a potential leak point if the wrong boot is installed; we treat them as the highest-risk detail on the roof.
Ridge Ventilation That Works With the Panel
Stone-coated profiles each have their own ridge-vent strategy. Heritage Shake typically uses a low-profile ridge with mesh closure; Tile XD requires a profiled ridge cap that follows the barrel curve; Pinnacle uses Westlake's specific vented ridge system. We confirm the attic exhaust is sized to the soffit intake and install per the specific panel-system ridge detail. Under-vented stone-coated still works, but properly vented stone-coated lasts the full 50 years.
Hides Cosmetic Hail (Why CO/KS Owners Pick It)
This is the conversation we have on every estimate in hail country. A standing seam panel will show ding marks from severe (1.75″+) hail — cosmetic, not functional, but visible from the ground. Stone-coated absorbs hail impact into the granule layer and the panel substrate without visible damage from the curb. Decra and Westlake Royal both warrant the panel through severe hail, and the substrate keeps performing for 40+ years even after multiple events. Owners who have lived through repeated hail seasons in Aurora, Parker, Castle Rock, Highlands Ranch, Olathe, Overland Park, and Lee's Summit often migrate from asphalt or even from standing seam straight to stone-coated for this reason alone.
Class 4 Standard — The Insurance Discount Math
UL 2218 Class 4 is the highest impact rating available to roofing materials, tested against a two-inch steel ball dropped from twenty feet. Most carriers in CO, KS, MO, NE, and WY discount the wind/hail portion of premium by 15–35% on Class 4 roofs — on a typical $4,000–$6,000 annual policy that is $500–$1,500 per year back in your pocket. Over a 50-year stone-coated life, that's $25,000–$75,000 in cumulative discount.
Stone-coated is essentially Class 4 across the entire product line — not a variant or an upcharge. Decra Heritage, Tile, Tile XD, Shake XD, Villa Tile, Shingle XD, Westlake Royal Pinnacle, Country Manor, Pacific Tile, Granite Ridge — all ship Class 4 as standard. We provide the manufacturer's UL 2218 certificate to your carrier as part of the warranty package.
Cosmetic vs. Functional Hail on Stone-Coated Steel
Hail damage on stone-coated is rare to nonexistent in normal severe-hail events. The chipped-stone granule layer absorbs the impact — the panel substrate behind it keeps doing the waterproofing — and the damage that does occur on truly massive hail (2.5″+) is typically isolated to a few panels rather than a full-roof claim.
Carriers in CO, KS, MO, NE, and WY treat stone-coated favorably on claims — the panel is rated and the assembly is documented — and the typical claim outcome is panel replacement rather than full re-roof. Decra and Westlake Royal both stock replacement panels in current and recent colors for spot repair. We've handled hail-claim panel replacements where the rest of the roof was 12 years into its 50-year warranty and the carrier paid for the affected panels with the original color match.
The other meaningful spec point: stone-coated does not show oil-canning. Standing seam can ripple visibly in oblique light on long flat panels; stone-coated's chipped-stone surface and shorter panel format make oil-canning a non-issue.
Read: Hail Damage on Metal — Cosmetic vs. FunctionalStone-Coated Pencils Out Here
- HOA-restricted communities that ban "metal roofs" but approve tile or shake equivalents — Highlands Ranch, Castle Pines, Parker (Pradera, Stonegate, The Pinery), Castle Rock, Flying Horse, Blue Valley, Leawood.
- Hail-country homes where cosmetic denting on standing seam would bother the owner — Aurora E-470 corridor, Parker, Castle Rock, Olathe, Lee's Summit, Springs, Pueblo.
- Re-roofs on framing built for asphalt weight that need 50-year service life without rafter sistering. Stone-coated at 1.5–2 lbs/sq ft works; concrete tile at 9–13 lbs/sq ft typically does not.
- Owners migrating from concrete tile who want the look without the weight or fragility.
- Steep-pitch architectural homes with traditional shake/tile aesthetic — mountain modern, ranch, transitional architecture.
- Replacement of older stone-coated — Metro Tile, Boral Steel pre-2022, original Tilcor or Gerard. We match closest current profile.
- Multi-family / townhome HOAs needing a metal upgrade across multiple units with consistent aesthetic and lower up-front cost than standing seam.
Where Standing Seam or Asphalt Wins
- Modern / contemporary architectural homes where the visible seam line is intended — standing seam in matte black or charcoal is the right call there.
- Low-slope sections under 3:12 — stone-coated's batten-and-panel system needs gravity to shed water and is rated to 3:12 minimum on most profiles.
- Tight-budget short-hold homes — the 50-year warranty doesn't pay back over a 5-7 year ownership window.
- Communities with strict "natural materials only" covenants — in some Boulder County and historic-district covenants, real cedar shake or slate is required.
- Heavy commercial / industrial with structural panel requirements — goes to standing seam or R-panel.
- Owners who want zero foot traffic complications — stone-coated walks better than standing seam but still isn't asphalt-grade. Plan around HVAC and chimney access.
- Highly complex hip-and-valley with extreme cuts can drive labor cost up; sometimes designer asphalt is more economical without losing too much on aesthetic.
Stone-Coated Steel in HOA-Sensitive Communities
Stone-coated steel is the metal roof that clears HOA review. The panel reads as wood shake (Decra Heritage / Country Manor), concrete tile (Decra Tile XD / Pinnacle / Pacific Tile), or dimensional shingle (Decra Shingle XD / Granite Ridge) from the curb. Boards that historically required specific natural materials — cedar shake, concrete tile, slate — routinely approve stone-coated as an equivalent, especially after they see it installed on a comparable home.
We handle the ARC (Architectural Review Committee) submittal on every HOA-governed project — physical sample to the board meeting, manufacturer spec sheet, warranty documentation, and installed-home photo from a similar project in the area. If your board requires a pre-approval sample on-site, we bring the panel and the matched trim to your walkthrough.
Reference our HOA approval guide: Colorado HOA roof approval guide.
Related Roofing Pages
Other metal categories, hail and insurance pages, and the architectural alternatives that frequently come up against stone-coated in our walk-throughs.
Metal Roofing Overview
Standing seam, stone-coated, and R-panel side-by-side. Manufacturers, gauges, costs, and where each system pencils out.
View → Sister ProductStanding Seam
DG Metals snap-lock, Drexel mech-lock, McElroy Maxima, Englert UltraCool. Concealed-fastener premium metal.
View → Workhorse MetalR-Panel / Ag-Panel
Exposed-fastener ribbed panels for shops, pole barns, agricultural buildings, budget commercial.
View → Real TileConcrete & Clay Tile
Westlake concrete tile, Boral / Westile, Eagle — the heavier real-tile alternative to stone-coated steel.
View → Designer AsphaltDesigner Shingles
IKO ArmourShake, CertainTeed Presidential, GAF Camelot II — wood shake at asphalt pricing.
View → ClaimsInsurance Claims
How we work with carriers and adjusters on hail and wind claims for metal and shingle roofs.
View → Hail InspectionsHail Damage — Denver
Free inspections after Front Range storms. Functional vs. cosmetic damage assessment on metal panels.
View → Hail InspectionsHail Damage — Aurora
E-470 corridor — one of the worst recurring hail belts in the country. Stone-coated default territory.
View → Asphalt AlternativeClass 4 Shingles — Aurora
If stone-coated isn't right for the project, Class 4 impact-rated asphalt is the next-best hail-country option.
View → GuideHail Damage on Metal
Cosmetic vs. functional damage, what carriers pay for, why stone-coated hides what standing seam shows.
View → GuideAsphalt vs. Metal vs. Tile
Real 30-year cost comparison — replacement frequency, claim deductibles, energy savings.
View → GuideColorado HOA Approval Guide
ARC submittals, color sampling, and what boards actually require for stone-coated approvals.
View →Get a Free Stone-Coated Estimate
We'll walk the property, confirm HOA compatibility if a covenant is involved, pull your insurance declaration page if there's a claim, and write a real estimate that compares Decra, Boral / Westlake Royal, and standing seam side-by-side. We bring physical samples in the colors that match your home, and we handle the ARC submittal package on every HOA-governed project. The metal is the easy part. The install is what matters.
What We'll Bring to the Walk-Through
- Physical panel samples — Decra Heritage, Tile XD, Westlake Pinnacle, Country Manor
- Color decks across the full Decra and Westlake Royal palette
- Itemized estimate with stone-coated vs. standing seam vs. asphalt comparison
- Insurance scope review if a hail or wind claim is involved
- HOA ARC submittal package — sample, spec sheet, warranty documentation
- Match-out plan for partial replacement of older Boral, Metro, or Tilcor lines
- UL 2218 Class 4 certificate for the spec'd profile