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Choosing between metal roofing and asphalt shingles is one of the most common questions we hear from Florida homeowners. Both are excellent options, but they have different strengths that matter depending on your priorities. Let's break down the comparison for Central Florida conditions.
Upfront Cost
Asphalt shingles typically cost $4-7 per square foot installed, while metal roofing runs $8-15+ per square foot depending on the style. For a typical 2,000 square foot roof, that's roughly $8,000-14,000 for shingles versus $16,000-30,000+ for metal.
That's a significant difference, and for many homeowners, shingles make sense based on budget alone. However, the lifetime cost analysis often tells a different story.
Lifespan and Long-Term Value
Quality asphalt shingles last 15-25 years in Florida. Metal roofing lasts 40-70 years with minimal maintenance. If you're in your forever home, one metal roof could outlast two or three shingle roofs.
When you factor in two or three shingle replacements over 50 years versus one metal roof, the lifetime cost often favors metal—especially when you add the hassle and disruption of multiple replacements.
Hurricane and Storm Performance
Both can handle hurricanes when properly installed. Metal roofing with concealed fasteners (like standing seam) is generally more wind-resistant—often rated for 140+ mph winds. Quality shingles with enhanced nailing patterns can achieve similar ratings.
Metal is less susceptible to damage from wind-blown debris, while shingles can be punctured by branches and other flying objects. However, shingles are easier to repair in small sections if damage does occur.
Energy Efficiency
Metal roofing reflects more solar heat, potentially reducing cooling costs by 10-25%. In Florida, where we run AC 8+ months per year, this adds up. Reflective coatings can enhance this benefit further.
Modern shingles with 'cool roof' technology have narrowed this gap, but metal generally still has an edge in energy performance.
Appearance and Style
Shingles offer a traditional look that complements most home styles. Metal used to look industrial, but modern options include profiles that mimic shingles, tile, or wood shakes.
Standing seam metal has a distinctive modern look that works well with contemporary architecture. Hidden fastener systems maintain a clean appearance.
Insurance Considerations
Some Florida insurers offer discounts for metal roofing due to its wind resistance and durability. These savings can be 5-15% of your premium annually, which adds up over the life of the roof.
Check with your insurance company before making your decision—the savings might affect your cost analysis significantly.
Maintenance Requirements
Metal roofing needs almost no maintenance—occasional inspection and keeping debris cleared is about it. Shingle roofs require periodic inspection for damaged or missing shingles, algae treatment in shady areas, and attention to flashing.
Neither is high-maintenance, but metal has a clear advantage for truly hands-off ownership.
The Bottom Line
Choose asphalt shingles if: You're working within a tighter budget, may move in 10-15 years, prefer traditional aesthetics, or your home's structure can't support heavier materials.
Choose metal roofing if: You're in your forever home, value long-term savings over upfront cost, want maximum storm protection, prioritize energy efficiency, or prefer minimal maintenance.
Making Your Decision
Both options work well in Florida. The right choice depends on your specific situation—budget, timeline, aesthetic preferences, and long-term plans. A good roofing contractor should discuss these factors with you rather than pushing one material.
If you're leaning toward metal, check out our guide on metal roofing benefits and learn about the different panel types in our standing seam vs exposed fastener comparison. Concerned about common misconceptions? Our metal roof myths debunked article addresses noise, lightning, and other concerns.
At Pro Specialty Services, we install both metal and shingle roofing. We'll give you honest recommendations based on your situation, not based on what's most profitable for us.
Caleb Hutchinson
Owner, Pro Specialty Services
"I get asked this question almost every day. My honest answer? Both are great choices for Florida. The right one depends on your situation. If you're planning to sell in a few years, shingles usually make more sense. If this is your forever home and you can afford it, metal pays off over time. Either way, proper installation matters more than the material you choose."
