Shingle vs. Metal Roof in Florida: Which Is Better for Hurricanes, Heat & Insurance?

When it comes to replacing a roof in Florida, one of the biggest decisions homeowners face is choosing between asphalt shingles and metal roofing. With our intense heat, humidity, tropical storms, and strict insurance requirements, the right roofing choice can make a big difference in your home’s protection and long-term costs.

Working with a trusted local company like Robert Jones Roofing is the best way to make the right decision. Every home is different, and a professional roof inspection can help determine whether shingles or metal will give you the strongest performance for your budget.

If you’re a homeowner in Titusville or anywhere in Brevard County, this guide breaks down the pros, cons, and real-world performance of both options — so you can make an informed decision before investing in a new roof.

Florida Climate Challenges: What Your Roof Has to Handle

Florida roofs don’t face average conditions. They face:

• Extreme heat and UV exposure

• High humidity that accelerates material aging

• Heavy rain and tropical storms

• Hurricane-force winds

• Strict building codes and insurance inspections

Because of this, roofing materials wear out faster here than in most other states. That’s why picking the right material isn’t just about price — it’s about long-term durability.

Shingle Roofs in Florida

Asphalt shingles are the most common roofing material in Florida homes. Modern shingles, especially high-quality brands like Atlas, offer significantly better durability than older products.

👍 Advantages of Shingle Roofs

1. More Affordable Upfront

Shingle roofs cost less to install, making them a practical choice for many homeowners.

2. Easier and Cheaper Repairs

If a storm damages part of the roof, repairs are usually simple and affordable.

3. Wide Choice of Colors & Styles

Shingles like Atlas Coastal Granite and Copper Canyon are popular in Florida and look great on most homes.

4. Good Performance When Installed Correctly

High-wind rated shingles (like the ones we install) can hold up extremely well when paired with proper underlayment and flashing.

👎 Disadvantages of Shingle Roofs

1. Shorter Lifespan in Florida Heat

Shingle roofs last 15–20 years on average here, sometimes less due to UV damage and humidity.

2. More Vulnerable to Strong Winds

Even with high-wind shingles, they can still lose tabs in extreme storms.

3. Insurance Requirements

Many Florida insurance companies require a roof inspection once the roof hits 15 years, and some require replacement sooner for coverage.

Metal Roofs in Florida

Metal roofing has become extremely popular across Brevard County due to its strength and lifespan. Metal roofs are engineered to withstand Florida’s harshest weather.

👍 Advantages of Metal Roofs

1. Longest Lifespan

Metal roofs last 40–70 years, often outliving the home’s ownership.

2. Excellent Wind Resistance

Properly installed standing-seam metal roofs can withstand 120–160 mph winds, making them one of the best choices for hurricane season.

3. Strong Insurance Benefits

Many insurance carriers in Florida offer discounts or better coverage options for metal roofs because they perform better in storms.

4. Energy Efficient

Metal reflects heat, helping reduce attic temperatures and lowering cooling bills — a nice bonus during Florida’s long hot summers.

5. Resistant to Mold, Mildew, and Rot

Florida humidity is tough on roofs, but metal won’t absorb moisture or grow algae.

👎 Disadvantages of Metal Roofs

1. Higher Upfront Cost

Metal roofs are an investment, costing more than shingles initially.

2. Repairs Can Be More Technical

Metal repairs require a roofer experienced specifically in metal systems — but when installed properly, repairs are rarely needed.

Which Roof Performs Better in Hurricanes?

Metal roofing is the clear winner. With proper fastening and modern installation methods, metal roofs can withstand some of the strongest wind conditions allowed under Florida’s building codes.

High-quality shingles can still do well in storms, especially Atlas shingles with higher wind ratings — but metal remains the more secure option during hurricanes.

Which Roof Handles Heat Better?

Metal roofs significantly outperform shingles in heat reflection.They reflect sunlight instead of absorbing it, keeping your attic cooler and reducing strain on your AC system. This can make a noticeable difference in summer electricity bills.

Shingles tend to absorb heat, making your home warmer and your AC work harder.

Which Roof Helps With Insurance in Florida?

This is becoming one of the biggest deciding factors for homeowners.

Insurance typically favors:

✔ Newer roofs

✔ Metal roofing

✔ Impact-resistant shingles

✔ Proper underlayment and installation

Many carriers offer discounts for metal due to its durability and wind-resistance. Shingle roofs can still qualify for good rates — but the older they get, the more insurers require inspections or request replacement.

If your roof is 15+ years old, it’s a good time to get a free inspection to avoid insurance issues.

Cost Comparison: Shingles vs. Metal in Florida

Shingle Roof Cost (Florida Average):

• $12,000 – $20,000 depending on size and materials

  
  

Metal Roof Cost (Florida Average):

• $25,000 – $45,000 depending on style and thickness

  
  

While metal is more expensive upfront, many homeowners choose it for long-term value, fewer replacements, and better insurance benefits.

So Which Roof Is Best for You?

Choose Shingles if you want:

• A more affordable roof replacement

• Good protection at a lower upfront cost

• A wide selection of colors and styles

• A roof you plan to replace again in 15–20 years

  
  

Choose Metal if you want:

• Maximum hurricane protection

• A roof that can last 40–70 years

• Lower energy bills

• Potential insurance benefits

• Strong long-term value

  
  

Both are great options — the “best” one depends on your budget and long-term plans.

Need Help Choosing? Robert Jones Roofing Can Help.

If you're in Titusville or Brevard County, the easiest way to choose the right roof is to schedule a free inspection and estimate. We’ll walk you through materials, show you past installs, and help you pick the best option for your home and budget.

👉 Call us today or request your free inspection on our website.

Robert Jones Roofing — Trusted, Local, and Family-Owned for 20+ Years.