Reroofing in Florida: Shingle vs Tile vs Metal, By the Numbers
Architectural shingle is the cheapest and fastest install (20 to 25 year life). Concrete tile is the Florida standard for HOA communities (40 to 50 year life). Standing seam metal carries the best wind ratings and lasts 40 to 60 years. Pick on hold period, HOA rules, and insurance discount, in that order.
How much does each system cost installed in Florida?
Indicative 2026 pricing per square foot installed on an average 2,500 square foot home: architectural shingle $5 to $8, concrete tile $11 to $18, clay tile $14 to $22, standing seam metal $12 to $20, stone-coated steel $10 to $16. Roof complexity, pitch, and tear-off scope move every number.
How long does each system last in Florida sun?
Architectural shingle 20 to 25 years (the rated 30 rarely happens in Florida UV). Concrete tile 40 to 50 years with periodic underlayment replacement. Clay tile 50+ years. Standing seam metal 40 to 60 years. Stone-coated steel 35 to 45 years.
How long does the install take?
Single-family shingle reroof is one to three days. Tile takes three to five days because of the weight and the underlayment system below. Metal is two to four days for standing seam, two to three for stone-coated steel.
Which option gets the best insurance discount?
Credits come from how the roof is built, not just the material: code-compliant roof covering, deck nailing, roof-to-wall connections, a secondary water barrier, roof shape, and protected openings. Metal and tile systems installed to current code and paired with those upgrades tend to score best. Document everything on form OIR-B1-1802 (revised April 2026). Discounts typically run 10 to 30 percent of the wind portion of the premium.
What about HOA approval?
Most Florida HOAs require ARC submittal with shingle color, manufacturer, and profile. Tile communities almost always restrict color and profile to match neighbors. Metal is increasingly approved in master-planned communities but still requires submittal. We handle the package and ARC meetings as part of the project.
- →Shingle wins on speed and cost.
- →Tile is the long-life Florida standard.
- →Metal carries the best wind ratings.
- →Insurance discounts favor metal and tile.
- →HOA submittal is part of the job, not your homework.
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