Can you put a metal roof on a house in Florida?
Asked by: Isabel Boyle | Last update: November 20, 2025Score: 5/5 (36 votes)
Metal roofs are renowned for their longevity. With proper installation and regular maintenance, a metal roof can last between 40-70 years in Florida, even with the harsh weather conditions. This is significantly longer than traditional asphalt roofing, which typically lasts around 20 years.
Is a metal roof a good idea in Florida?
Metal roofs are also resistant to fire, pests, and rot, making them a great investment for Florida homeowners. In addition to their practical benefits, metal roofs can also improve the curb appeal of your home.
What is the new law on roofs in Florida?
However, on May 26, 2022, SB 4-D took effect, which eliminated Florida's 25% Roof Replacement Rule. Now, so long as the rest of the roof is in compliance with the 2007 Florida Building Code, or any subsequent versions of that code, then a full roof replacement is not required.
What is the biggest problem with metal roofs?
Corrosion
Rust and corrosion can compromise the structural integrity of the roof and lead to premature failure. Choosing corrosion-resistant materials such as galvanized steel, aluminum, or zincalume can mitigate the risk of corrosion.
How long will a metal roof last in Florida?
Metal Roof Life Expectancy in Florida
Metal roofs have an average lifespan of between 40 to 70 years. However, extreme weather can limit a metal roof's longevity. If your roof endures large-scale storms and hurricanes year after year, the metal roof panels may not last a full 40 years.
The Most Popular Metal Roof In South Florida
What is the downside to a metal roof?
Upfront costs for metal roofs are higher than most people expect and cost around $8,510 for a screw-down metal roof and $16,150 for a standing seam metal roof. Shingled roofing is significantly cheaper, although not nearly as durable. Metal roofs aren't good for coastal homes because salt can cause rust.
Is insurance cheaper with a metal roof in Florida?
There's something else about metal roofs that makes them stand out - they're really tough. They can stand up against fire and heavy winds, which means fewer insurance claims. As a result, many homeowners get insurance discounts - now that's a win-win.
Do metal roofs leak more than shingles?
Do Metal Roofs Leak More Than Shingles? If installed incorrectly, metal roofs have the potential to leak more than shingles. However, if you find an experienced contractor who can install it correctly, metal roofs shed snow and ice to prevent moisture buildup.
What happens if lightning strikes a metal roof?
Metal is conductive, meaning that energy flows through it easily. That's very important and beneficial during a lightning strike because – if you have a metal roof – the electricity will flow straight to the ground without affecting your structure, its exterior, or anything inside.
What is the 25% rule in Florida?
Enacted as a response to Hurricane Andrew in 1992, the 25% Roof Replacement Rule is an integral part of the Florida Building Code. According to this regulation, if over 25% of your roof sustains damage within a 12-month period, replacing the entire roof becomes mandatory instead of merely repairing the damaged section.
Can I install my own metal roof in Florida?
For those with handy skills, a DIY metal roofing project can be a rewarding challenge that offers cost savings. However, understanding the intricacies of how to install a metal roof in Florida is crucial, as the state's climate and weather patterns demand specialized knowledge and precision.
What is the 15 year roof rule in Florida?
(c) For a roof that is at least 15 years old, an insurer must allow a homeowner to have a roof inspection performed by an authorized inspector at the homeowner's expense before requiring the replacement of the roof of a residential structure as a condition of issuing or renewing a homeowner's insurance policy.
When should you not use a metal roof?
Some types of metal roofing are prone to rust, especially when placed in coastal climates.
How much should a metal roof cost in Florida?
On average, metal roofs can cost anywhere from $4,000 to $15,000, while roofs made from asphalt shingles typically cost between $5,000 and $10,000. At first glance, asphalt shingles are the more economical choice.
Do insurance companies like metal roofs?
Metal roofs are most often made from zinc, copper, or steel alloy pieces or tiles and can last anywhere from 40 to 70 years. Their fire-resistant qualities, longevity, and durability make metal roofs very appealing to insurance companies.
How much should I budget for a metal roof?
A metal roof is estimated to cost from $8,500 – $68,000.
but also by the type of metal roofing you are choosing. To give you a better visual, on a standard 1,700-square-foot-roof, metal roof installation cost an average of $13,200.
What is one of the disadvantages of metal roofing?
Metal roofs are known for their durability, but they come with certain drawbacks such as limited color options, noise issues, thermal expansion challenges, and susceptibility to dents and scratches.
Can I install a metal roof over existing shingles?
Yes, you can install a metal roof over shingles under the right circumstances. Your current shingles must be near the end of their lifespan and can't be lifted, cracked, blistering, or bumpy. As long it's properly installed, installing a metal roof over shingles can be done without a problem.
How much does it cost to put a metal roof on a 2500 sq ft house?
For a typical residential roof (2,500 square feet), the total cost would be $25,000 to $50,000. Corrugated metal roofs are lightweight, easy to install and typically made of galvanized steel.
What is the lifespan of a metal roof?
Generally speaking, your standing seam metal roof can last up to 50-years. A metal screw-down panel system can last up to 20-years. The beautiful thing about a standing seam metal roof is that it can easily be refurbished to prolong its life.
Is it cheaper to put a metal roof or shingles?
Metal roof installation costs are typically a bit higher than shingle roof costs because metal is a specialty material that takes longer to install. Regardless of materials, anything that makes installing a new roof more complicated or time-consuming will come with additional costs.
What is the best type of metal roof for Florida?
1. Aluminum Roofing. Aluminum is a lightweight yet strong roofing material that is well-suited for Florida's climate. It's known for its corrosion resistance, making it ideal for coastal areas with high humidity and salty air.
Is a 20 year old roof too old?
With a lifespan of around 22-25 years, a 20-year-old architectural asphalt shingle is considered near the end of its lifespan. While 20 years is old for an architectural asphalt shingle roof, it isn't for a steel standing seam metal roof.
Do insurance companies give discounts for metal roofs?
Bear in mind that metal roof insurance may not be lower than other roofing materials. However, companies like Progressive do consider the type of roof material you have and admit that there is often a metal roof insurance discount.