Roofing Systems
Metal, tile, or shingle—engineered for Florida storms
Florida's combination of hurricanes, intense sun, and humidity demands roofing that performs. Here's what matters.
Each roofing material offers different advantages for Florida's challenging climate.
Premium metal roofing with raised seams and hidden fasteners. Panels interlock for superior wind and water resistance. The gold standard for metal roofing in hurricane zones. Substrate matters: aluminum (PAC-CLAD Kynar 500) is the right call within 1 mile of saltwater because it will not rust; Galvalume steel (Union Corrugating Signature 200/300) is the inland default.
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Steel panels coated with stone granules that mimic the look of tile or shingles. Combines metal durability with traditional aesthetics. Popular for Florida HOA communities.
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Traditional Florida metal roofing with visible fasteners and overlapping panels. Cost-effective and proven in hurricanes. Common on coastal and agricultural buildings.
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Heavy concrete tiles that provide excellent durability and a classic Florida look. Available in barrel (S-tile), flat, and shake profiles. Very common in Southwest Florida.
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Traditional fired clay tiles with authentic Mediterranean appearance. Premium material with exceptional longevity. The original Florida roofing material.
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Multi-layer asphalt shingles with dimensional appearance. More durable than traditional 3-tab shingles. The most common roofing in America.
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Integrated solar tiles that replace traditional roofing while generating electricity. Combines roofing and solar into one system. Pairs with Powerwall battery storage.
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Multiple factors influence the right roofing choice for your Florida home.
Florida Building Code specifies minimum wind resistance based on location.
Your roof structure determines what materials it can support.
Many Florida communities have specific roofing requirements.
Roofing material significantly impacts Florida insurance premiums.
Consider total cost of ownership, not just installation price.
Your home's design influences which roofing looks best.
Key roofing requirements for Florida residential construction.
Specified by engineers. Installed by specialists.
Your roof protects everything beneath it. We don't cut corners on materials or installation.
Choose roofing based on your priorities—we'll confirm it meets code for your location.
Engineering confirms your structure can support the selected roofing system.
Enhanced underlayment system installed per Florida Building Code.
Manufacturer-trained crews install per specifications for warranty validity.
Complete permit closeout and warranty registration for your records.
FL-Approved
Products approved for your wind zone
Manufacturer-Trained
Certified installation crews
Enhanced Underlayment
Exceeds minimum code requirements
Full Warranty
Material and workmanship coverage
Metal roofing (especially standing seam) generally performs best in hurricanes due to its continuous panels and concealed fasteners. Properly installed concrete tile also performs well. The key is proper installation per manufacturer specs and Florida Building Code—a well-installed shingle roof beats a poorly installed metal roof.
Insurance savings vary by carrier and location, but metal and tile roofs typically qualify for premium discounts. A new roof (regardless of material) often provides savings simply due to age. Hip roofs get additional credits. We recommend getting insurance quotes with different roofing scenarios before deciding.
Usually no. Tile is too heavy to install over existing roofing, and most re-roofing requires removing the old materials. Stone-coated steel is sometimes approved for overlay installations. Your specific situation requires engineering review.
Traditional solar panels mount on top of existing roofing—they're a separate system. Solar roof (like Tesla) replaces your roofing entirely with power-generating tiles. If you need a new roof anyway, solar roof makes sense. If your roof is newer, traditional panels may be more cost-effective. We cover this in detail on our solar page.
Lifespan varies by material and installation quality. Architectural shingles: 15-30 years. Stone-coated steel: 30-50 years. Standing seam metal: 40-70 years. Concrete tile: 50+ years. Clay tile: 75-100 years. Florida's UV exposure and storms can shorten these estimates.
How you pay
Pay in full or finance through Service Finance Company. Enter your project cost to see what each option looks like.
Florida collects a 0.35% Documentary Stamp Tax on retail installment loans. This is added to the amount financed on the long-term plans. Amount financed: $25,087.50.
Payments shown are estimates based on starting APRs. Your actual rate, payment, and term are determined by Service Finance Company based on creditworthiness and the loan program you qualify for. This calculator is for informational purposes only and does not constitute a loan offer.
Start with the right roofing for your home, your budget, and your goals.
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