Wood Shake vs. Tile Roof in Florida: Why Most Florida Homeowners Choose Tile

Wood shake is technically available in Florida but extremely rare — most Florida roofing contractors don't carry or install it. Florida's humidity, salt air, and hurricane risk make wood shake a poor choice, and many Florida homeowner's insurance carriers won't insure wood shake roofs or charge substantially higher premiums. In South Florida's Miami-Dade and Broward counties (High-Velocity Hurricane Zones), wood shake does not meet building code requirements.

Concrete tile is the most common residential roofing material in Florida, particularly in South and Central Florida. Asphalt shingles are dominant in North Florida. Metal roofing is rapidly growing in popularity throughout the state due to its combination of durability, hurricane resistance, and relatively lower cost compared to tile. Clay tile (terracotta) is common in Mediterranean-style homes and historic districts.

Yes. Most Florida insurers view tile roofing favorably due to its hurricane resistance and longevity. A new tile roof combined with a wind mitigation inspection can result in significant wind portion discounts. The specific discount depends on roof shape (hip roofs vs. gable), installation method (sealed deck or not), and insurer.