Trust Roofing
ClaimServices: Roof repair & replacement, Leak repair, Gutter installation, +4 more
The 30-Second Verdict
For most Florida homeowners, metal roofing is the long-term winner: 40–70 year lifespan, better hurricane ratings, and meaningful homeowners insurance discounts that offset the higher upfront cost over time. Asphalt shingles are the budget-friendly default with a proven track record — fine if you plan to sell within 10–15 years or have budget constraints. For a forever home in hurricane country, metal is hard to argue against.
Head-to-Head Breakdown
Metal Roofing
Pros
- 40–70 year lifespan far exceeds shingles
- Major insurance premium discounts from many FL carriers
- Better hurricane wind ratings when installed correctly
- Reflects heat — reduces cooling bills
- Environmental — often made from recycled material and recyclable at end of life
Cons
- Higher upfront cost — $15,000–$30,000+ for typical home
- Requires experienced installer — improper installation is costly
- Can be noisier during heavy Florida rain without proper underlayment
- Expansion/contraction in FL heat requires proper fastening system
Asphalt Shingle Roofing
Pros
- Lower upfront cost — $8,000–$16,000 typical
- Widely available — any licensed FL roofer can install
- Quiet in rain
- Easy repair — individual shingle replacement is simple
Cons
- 15–25 year lifespan means 2–3 replacements vs one metal roof
- No meaningful insurance discount
- Absorbs more heat — higher AC costs
- More vulnerable to wind uplift and UV degradation in FL climate
Side-by-Side Comparison
| Metal Roofing | Asphalt Shingle Roofing | |
|---|---|---|
| Lifespan | 40–70 years with minimal maintenance | 15–25 years; replace more frequently in FL's UV/heat |
| Hurricane Rating | Standing seam metal rated for 140–160+ mph winds when properly installed | Architectural shingles rated 110–130 mph; can delaminate in extreme wind |
| Heat Reflection | Reflects 50–70% of solar radiation — lowers AC costs meaningfully | Absorbs heat — standard dark shingles can add 20–30°F to attic temperature |
| Insurance Discount | Many FL insurers offer 20–40% discount for qualifying metal roofs | Standard rates; no premium discount |
| Upfront Cost | $15,000–$30,000+ for a typical FL home (standing seam) | $8,000–$16,000 for architectural shingles on a typical FL home |
| Noise in Rain | Can be loud without proper insulation/underlayment; most installations include noise barrier | Quiet in rain — standard expectation |
| Maintenance | Very low — no shingle replacement, minimal debris accumulation | Moderate — inspect after every storm; replace damaged shingles; recoat over time |
| Hail Resistance | Excellent — Class 4 impact rating available | Vulnerable — hail can crack shingles; common insurance claim in FL |
Frequently Asked Questions
q
a
q
a
q
a
Top-Rated Local Florida Roofing Alternatives
You don't have to pick a national brand. These Florida-based roofing companies have the highest real Google ratings in our directory — often at a fraction of the franchise price.
Steadfast Roofing
ClaimServices: Roof repair & replacement, Leak repair, Gutter installation, +4 more
SK Quality Roofing
ClaimServices: Roof repair & replacement, Leak repair, Gutter installation, +4 more
Brehm Roofing
ClaimServices: Roof repair & replacement, Leak repair, Gutter installation, +4 more
Services: Roof repair & replacement, Leak repair, Gutter installation, +4 more
Services: Roof repair & replacement, Leak repair, Gutter installation, +4 more