Living Prepared


What type of roofing material is right for your home?

Do you know how old your roof is or its life expectancy? Florida’s unpredictable weather combined with the materials your roof is made from can drastically impact the life span of your roof.

When it comes time for roof replacement, it’s important to understand what type of roofs are available so you can be prepared. Here are three of the most common types of roofing materials used in Florida and their pros and cons.

Asphalt Shingles - This roofing style is the most prevalent in Florida, due to its durability and relatively low cost. There are also a wide variety of colors and asphalt shingles are easy to install, making it a popular choice.

While asphalt shingle roofing provides reliable waterproofing, their life span, on average, is significantly less than other roofing materials. The International Association of Certified Home Inspectors (InterNACHI) states the estimated life expectancy for asphalt shingle (3-tab) roofing is 20-years, but asphalt (architectural) is 30 years. These life spans can drastically decrease in Florida due to hot climate and severe weather. 

Ceramic/Barrel Tiles - Built for durability, tile roofing can last up to 100-years, depending on what material is used. There are several material choices when determining the type of tile including clay, concrete, and slate. There are also a variety of colors and styles to select from.

While a tile roof lasts a long time, it comes with a high cost and may be three times as much as an asphalt shingle roof. Tiles also require more experience to install and can be heavy. Make sure to consult an engineer before installing.

Metal - The InterNACHI estimates the life expectancy of metal roofs to be between 40 to 80-years. Their high resistance to damage and low maintenance, make metal roofs a good option for Florida homes. Additionally, they come in a variety of styles and colors.

The initial cost for installation can be hefty, but with less maintenance and a longer life span, a metal roof can be a valuable investment over time.

Pros and Cons of Roofing Materials:

  Asphalt Tile Metal
Maintenance Moderate Low Low
Ease of Installation Easy Hard Hard
Cost Low to Moderate High Moderate to High
Life Span 15-20 Years 25-30 Years 30+ Years
Other Considerations
  • Fire & Water Resistant
  • Easy to Repair
  • Natural
  • Resistant to Rot, Bugs, Water and Fire
  • Longevity
  • Durability
  • Energy Efficient
  • Environmentally Friendly

Steps to take if you have roof damage:

  1. Take photos of the damage for your insurance company. Call a professional roofer to photograph your roof if you need help.
  2. File a claim with your insurance company right away and find out what your policy covers. Delaying a claim filing may cause additional damage to your home and could compromise coverage under your policy.
  3. Find a reputable roofing company with insurance experience in your area. Don’t be a victim of Assignment of Benefits

Have you suffered roof damage or need to replace your roof? Talk with your local Prepared agent today, to see if you have coverage that may help cover the cost of replacement.

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