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Metal vs Asphalt vs Tile Roof — Florida Cost & ROI

Roofing · Features, terms and questions for your Florida project

By the I'm Moving to Florida Editorial Team

What to Compare

Compare Metal Roof and Asphalt/Tile using florida lifespan, carrier acceptance, install time. Check the exact product or local service proposal, then request matching written terms before choosing for your Florida home. Use the differences below to identify the questions that matter for your project.

Head-to-Head Breakdown

Metal Roof

Features and considerations

  • Every FL roofer can install it
  • Easy to repair single-shingle damage

Limits and questions

  • Shortest lifespan: 12–20 yrs in FL UV/storms
  • Florida insurers tightening underwriting on >15 yr asphalt
📍 View Metal Roof listing ↗
Asphalt/Tile

Features and considerations

  • Metal: 40–70 yr lifespan, insurance-preferred post-Ian
  • Tile: Premium aesthetic, southern-FL signature

Limits and questions

  • Metal: Loud during heavy rain (need underlayment)
  • Tile: Heavy — may require structural review on older homes

Side-by-Side Comparison

Metal RoofAsphalt/Tile
2,000 sq ft FL install costAsk the Metal Roof provider to document current quote and terms for the exact offer.Ask the Asphalt/Tile provider to document current quote and terms for the exact offer.
Florida LifespanAsk for evidence for the exact Metal Roof product or local service; match it to your project conditions.Ask for evidence for the exact Asphalt/Tile product or local service; match it to your project conditions.
Insurance Wind-Mit DiscountAsk the Metal Roof provider to document current quote and terms for the exact offer.Ask the Asphalt/Tile provider to document current quote and terms for the exact offer.
Carrier Acceptance (Post-Ian)Tightening past 15 yrsMetal: Preferred; Tile: Accepted
Install TimeConfirm the schedule and conditions with the Metal Roof provider before booking.Confirm the schedule and conditions with the Asphalt/Tile provider before booking.
FL Resale Value AddAsk the Metal Roof provider to document current quote and terms for the exact offer.Ask the Asphalt/Tile provider to document current quote and terms for the exact offer.
Hurricane PerformanceAsk for evidence for the exact Metal Roof product or local service; match it to your project conditions.Ask for evidence for the exact Asphalt/Tile product or local service; match it to your project conditions.
Fit for your projectAsk the Metal Roof provider to document current quote and terms for the exact offer.Ask the Asphalt/Tile provider to document current quote and terms for the exact offer.

Frequently Asked Questions

Is metal really insurance-preferred now?
Yes — since Ian and Milton, multiple FL carriers (Citizens, Universal, ASI, Heritage) have published underwriting preferences for standing-seam metal over asphalt for new policies.
Is metal too loud during FL summer storms?
Properly installed metal roofs are NOT noticeably louder than asphalt. The trick is: continuous deck (plywood or OSB, not over open purlins) + a synthetic underlayment + foam-closure trim. Done right, you hear rain hit metal at about the same dB as rain on shingles. Open-purlin metal barns ARE loud — that's where the myth comes from.
What about clay tile vs concrete tile?
For South FL Spanish or Mediterranean aesthetic, clay tile is the spec. For inland FL or northern half of the state, concrete tile is fine.
Can I switch from asphalt to metal at next replacement?
Yes — and most FL roofers welcome the conversion. The decking is the same, ridge venting is similar. Cost is the only real friction. If you're getting an insurance-driven replacement after a storm, ask your carrier if they'll pay the difference toward metal — many will fund the upgrade now to avoid future claims.

Consumer resources

Use these official resources when evaluating an offer. They provide general guidance and do not establish a winner between these options.

Browse Florida Roofing Listings

These public listings share the broad roofing category. Inclusion does not confirm that a business supplies the products or specialist services discussed above. Ask about the exact work, credentials and current availability before requesting a quote.

See all Florida Roofing pros →

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