Choosing the right roof for your Florida home is one of the most important decisions you’ll make as a homeowner. When you compare roofing materials like shingles, metal, and tile, you’re not just selecting what goes on top of your house—you’re choosing protection, energy efficiency, and long-term value for your biggest investment.
At ZMC Roofing, we help Plant City and Tampa Bay homeowners navigate this critical decision every day. As a licensed roofing contractor (CCC1335909) with $2M in insurance coverage and TAMKO Mastercraft Pro certification, we’re committed to providing honest, transparent guidance about every type of roofing material available for your home.
In this comprehensive guide, we’ll compare the three most popular roofing options for Florida homes: asphalt shingle roofs, metal roofing systems, and tile roofs. You’ll learn about costs, lifespans, performance in Florida’s climate, and which roofing material might be the best choice for your specific situation.
Ready to weigh the pros and cons of each roof system? Let’s dive in.
Understanding Your Roofing Material Options
Before we compare roofing materials in detail, it’s important to understand what makes Central Florida’s roofing needs unique. The type of roof you choose must perform well under challenging conditions that include:
- Hurricane-force winds that can damage inadequate roof systems
- Intense UV exposure that degrades roofing materials faster than in other climates
- Heavy rainfall and moisture that can compromise your roof deck
- Salt air corrosion in coastal areas that affects certain types of metal
- Extreme heat that impacts both energy efficiency and the lifespan of your roof
The type of roofing material you select should address these challenges while fitting your budget, aesthetic preferences, and long-term plans. When homeowners ask us to compare shingle, metal, and tile roofing, we always start by understanding their specific needs and what they value most in a new roof.
The three main roofing options—asphalt shingle roofs, metal roofing systems, and tile roofs—each offer distinct advantages. Let’s examine the pros and cons of each type of roof so you can make the best choice for your home.
Asphalt Shingle Roofing: The Budget-Friendly Classic
What Are Asphalt Shingles?
Asphalt shingles are the most common type of roofing material in America. Traditional asphalt shingles come in two main varieties: basic 3-tab shingles and premium architectural shingles. Modern architectural shingles offer improved durability and aesthetic appeal compared to older shingle roof designs, making them a popular choice for homeowners who want quality without the higher cost of metal or tile.
When you’re installing a new roof with asphalt shingles, you’re choosing a proven roofing product with decades of performance data. Asphalt shingle roofs are commonly found throughout Central Florida, and most roofing contractors have extensive experience with this type of roofing material.
Cost of Asphalt Shingle Roofs
Average Investment: $8,000 – $15,000 for a typical Central Florida home (1,500-2,500 sq ft)
The cost of a shingle roof replacement includes:
- Complete removal of your old roof
- New underlayment protecting the roof deck
- Quality asphalt shingle installation
- Professional roofing contractor labor
- Debris removal and cleanup
The initial cost of an asphalt shingle roof is significantly cheaper than metal roofing or tile, making shingles an attractive option for budget-conscious homeowners. However, when you compare the long-term costs and weigh the pros and cons, the lower upfront price of asphalt roofs comes with trade-offs in lifespan and durability.
Lifespan of Asphalt Shingle Roofs in Florida
Expected Lifespan: 15-25 years
In Florida’s harsh climate, asphalt shingle roofs face accelerated aging. The type of shingle you choose matters—premium architectural shingles typically last longer than basic 3-tab shingles. Quality asphalt roofing products from manufacturers we work with can reach the upper end of this range with proper installation and maintenance.
Your existing roof’s condition, the roof deck underneath, and how well shingles are attached to the roof all impact how long your asphalt roof will last. Regular roof inspections can help identify issues like missing shingles before they become major problems.
Pros and Cons of Asphalt Shingle Roofs
Pros of Asphalt Shingles:
✅ Lowest Initial Cost – Asphalt roofs offer the most affordable entry point for a new roof, ideal for homeowners who need quality roofing on a budget
✅ Wide Variety of Styles – Shingles come in dozens of colors and textures to match any home’s architectural style
✅ Easier Repairs – When you have damaged or missing shingles, repairs are straightforward and less expensive than with other roofing materials
✅ Proven Track Record – Decades of performance data show how asphalt shingle roofs perform in various climates
✅ Lighter Weight – Asphalt roofs don’t require structural reinforcement like heavier tile roofs might
✅ Available Roofing Contractors – Most roofing contractors are experienced with shingle roof installation
Cons of Asphalt Shingle Roofs:
❌ Shorter Lifespan – Your asphalt roof will need replacement sooner than a metal roof or tile roof
❌ Less Hurricane Resistant – While quality shingles are commonly rated for high winds, they’re more vulnerable than metal roofing systems
❌ Higher Maintenance – Shingle roofs require more frequent inspections and potential repairs, especially after storms
❌ Less Energy Efficient – Asphalt roofs absorb more heat than reflective metal, impacting your cooling costs
❌ Environmental Impact – Most asphalt shingles end up in landfills after replacement
Best For:
Asphalt shingle roofs are ideal for:
- First-time homeowners working with a tighter budget
- Homeowners planning to sell within 10-15 years
- Properties where traditional shingle aesthetics suit the architectural style
- Inland locations with less severe weather exposure
Performance of Asphalt Roofs in Florida Weather
Hurricane Resistance: Good (with proper installation and high-wind-rated shingles)
Heat Reflection: Fair (lighter-colored shingles perform better)
Moisture Resistance: Good (when the roof deck underneath has quality underlayment)
Salt Air Tolerance: Good
When comparing asphalt shingles vs metal roofing or tile, consider that your roof is one of your home’s most critical protective systems. While asphalt roofs offer affordability, understanding the pros and cons helps you make an informed choice.
Metal Roofing: The Long-Term Investment
What Is Metal Roofing?
Metal roofing includes several types of metal roof systems: standing seam metal roofs, metal panels, metal shingles, and stone-coated steel roofing products. Metal roofs come in various styles and finishes, from sleek standing seam metal that creates a modern aesthetic to metal roofing that mimics traditional shingles.
When you’re considering a metal roof vs asphalt shingles, you’re comparing two fundamentally different approaches to roofing. Metal roofing is highly durable, long-lasting, and increasingly popular in Florida due to its superior performance in our challenging climate.
Cost of Metal Roofing
Average Investment: $12,000 – $40,000 for a typical Central Florida home
The cost of metal roofing varies based on the type of metal and installation complexity:
- Metal Shingles/Panels: $12,000-$20,000
- Standing Seam Metal: $18,000-$30,000
- Stone-Coated Steel: $20,000-$40,000
While the initial cost of metal is higher than shingle roofs, many homeowners find that metal roofs offer superior long-term value. When you compare the cost of metal to asphalt over the lifespan of the roof, metal roofing often proves more economical.
The cost of metal roofing reflects the quality materials, specialized installation requirements, and extended warranties that metal roofing products provide. Insurance companies often recognize the superior durability of metal roofs, which can lead to reduced insurance premiums that offset some of the higher upfront cost.
Lifespan of Metal Roofs
Expected Lifespan: 40-70 years
Metal roofs can last 2-4 times longer than asphalt shingle roofs. A metal roof is often the last roof you’ll ever install on your home—it can outlast your mortgage and require minimal maintenance throughout its life. This exceptional longevity is one of the key benefits of a metal roof and a major factor when homeowners consider a metal roof for their property.
Pros and Cons of Metal Roofing
Pros of Metal Roofs:
✅ Exceptional Longevity – Metal roofs are among the longest-lasting roofing options available, often lasting 40-70 years
✅ Superior Hurricane Resistance – Metal roofs can withstand winds up to 140+ mph when properly installed, making them excellent for Florida’s hurricane zone
✅ Outstanding Energy Efficiency – Metal roofing reflects solar heat, reducing cooling costs by 10-25% compared to traditional asphalt roofs
✅ Low Maintenance – Metal roofs require minimal upkeep over their lifetime compared to shingle roofs that need regular attention
✅ Environmentally Friendly – Metal roofing is highly recyclable and often made from recycled materials
✅ Fire Resistant – Metal roofs offer Class A fire rating, the highest available
✅ Lightweight Yet Strong – Despite exceptional strength, metal roofing is surprisingly light
✅ Variety of Styles – Metal roofs come in numerous profiles, from standing seam metal to metal panels that resemble traditional shingles
Cons of Metal Roofs:
❌ Higher Initial Cost – The upfront cost of metal is significantly more expensive than shingle roofing
❌ Noise During Rain – Metal roofs can be louder during rainstorms (though proper insulation minimizes this)
❌ Denting Potential – Some types of metal can dent from hail or falling branches
❌ Expansion/Contraction – Metal roofing requires proper installation to accommodate thermal movement
❌ Specialized Installation – Installing a metal roof requires experienced roofing contractors familiar with metal roofing systems
Best For:
Metal roofing is ideal for:
- Homeowners planning to stay in their home long-term (10+ years)
- Coastal properties facing salt air and hurricane threats
- Energy-conscious homeowners seeking lower cooling costs
- Modern or contemporary architectural styles
- Environmentally conscious homeowners
- Those seeking the best roof for Florida’s challenging climate
Performance of Metal Roofs in Florida Weather
Hurricane Resistance: Excellent (metal roofs are the best choice for wind resistance)
Heat Reflection: Excellent (metal roofing offers superior energy efficiency)
Moisture Resistance: Excellent (water runs off metal panels quickly)
Salt Air Tolerance: Excellent (with proper coatings and type of metal)
When choosing between a metal roof and asphalt shingles, or comparing metal vs tile roofing, consider that metal roofs offer some of the best performance characteristics available. Metal roofs are also resistant to fire, rot, and insect damage, making them an exceptionally durable roofing option.
Many homes with metal roofs report significant energy savings, and insurance companies often offer discounts for metal roofing due to its superior durability. Metal roofs tend to outperform other roofing materials in nearly every category except initial cost.
Tile Roofing: The Premium Choice
What Is Tile Roofing?
Tile roofing includes both concrete tile and clay tile options, offering distinctive Mediterranean or Spanish aesthetics along with exceptional durability. Tile roofs have protected homes for centuries and remain a premium roofing choice in Florida. When you see classic Spanish-style architecture, you’re often looking at a tile roof that has lasted decades or even a century.
Cost of Tile Roofing
Average Investment: $15,000 – $45,000+ for a typical Central Florida home
The cost of tile roofing varies significantly:
- Concrete Tile: $15,000-$25,000
- Clay Tile: $25,000-$45,000+
- Structural Reinforcement (if needed): Additional $3,000-$8,000
Tile roofing represents a significant investment, but for homeowners seeking maximum longevity and timeless aesthetics, a tile roof can be worth every dollar. The type of tile you choose—concrete or clay—impacts both the initial cost and expected lifespan.
Lifespan of Tile Roofs
Expected Lifespan: 30-100 years
- Concrete tile: 30-50 years
- Clay tile: 50-100+ years
Clay tile roofs can last multiple generations with proper maintenance, making them a true long-term investment. Your roof made of quality clay tile can potentially outlive you and still be protecting your home for your children or grandchildren.
Concrete Tile vs Clay Tile
Concrete Tile:
- More affordable roofing option within the tile category
- Available in many colors and styles
- Lifespan of 30-50 years
- Slightly more porous than clay
Clay Tile:
- Premium natural roofing material
- Classic terracotta aesthetic
- Lifespan of 50-100+ years
- Superior water resistance
- Better color retention over time
Structural Requirements for Tile Roofs
Important: Tile roofing is heavy (600-1,200 lbs per square). Many homes require structural reinforcement of the existing roof deck before installing a tile roof. A professional structural assessment is essential when considering tile. The roof deck underneath must be strong enough to support the weight of tile, and this structural requirement adds to the overall project cost.
Pros and Cons of Tile Roofing
Pros of Tile Roofs:
✅ Maximum Longevity – Clay tile can last 100+ years, making it one of the longest-lasting roofing materials available
✅ Exceptional Durability – Tile roofs are resistant to rot, insect damage, and fire
✅ Superior Insulation – The natural thermal mass of tile keeps homes cooler
✅ Distinctive Aesthetics – Timeless Mediterranean beauty that enhances curb appeal
✅ Low Maintenance – Once installed, tile roofs require minimal upkeep
✅ Environmentally Friendly – Natural materials, recyclable, and the long lifespan reduces waste
✅ Excellent Wind Resistance – When properly installed with hurricane clips, tile roofs can withstand 120+ mph winds
Cons of Tile Roofs:
❌ Highest Initial Cost – Premium pricing for premium performance
❌ Heavy Weight – May require structural reinforcement of the roof deck ($3,000-$8,000 additional)
❌ Fragile When Walked On – Individual tiles can crack under foot traffic during roof inspections or repairs
❌ Complex Installation – Installing a tile roof requires specialized roofing contractor expertise
❌ Limited Color Changes – Difficult to change your roof color without full replacement
Best For:
Tile roofing is ideal for:
- Homeowners seeking maximum longevity and willing to invest upfront
- Spanish, Mediterranean, or Mission-style architecture
- Luxury homes where aesthetics and curb appeal are priorities
- Homeowners prioritizing energy efficiency and insulation
- Properties with adequate structural support or budget for reinforcement
Performance of Tile Roofs in Florida Weather
Hurricane Resistance: Excellent (when properly attached to the roof)
Heat Reflection: Excellent (natural thermal properties provide superior insulation)
Moisture Resistance: Excellent
Salt Air Tolerance: Excellent
Tile roofs offer outstanding performance in Florida’s climate and can be an excellent long-term investment for the right home and homeowner.
Climate Considerations for Central Florida: Comparing Roofing Materials
Your roofing material choice should account for the specific weather challenges your home faces in Central Florida. Let’s compare how each type of roof performs under our unique conditions.
Hurricane Resistance Comparison
Best Choice: Metal Roofing
When you compare roofing materials for hurricane resistance, metal roofs are generally the best option:
- Metal Roofs: Can withstand 140+ mph winds with standing seam metal systems
- Tile Roofs: Excellent when properly installed with hurricane clips (120+ mph)
- Asphalt Shingle Roofs: Good with high-wind-rated shingles (110-130 mph)
Key Factor: Installation quality matters more than the roofing material choice. A poorly installed metal roof will fail before a properly installed shingle roof. Choosing an experienced roofing contractor is critical regardless of which type of roofing material you select.
Metal roofs are also resistant to uplift and tearing, while tile roofs offer excellent impact resistance. Asphalt shingles are typically the most vulnerable in extreme winds, though quality architectural shingles with proper installation perform well in most storms.
Heat Reflection and Energy Efficiency
Best Choice: Metal Roofing
Florida’s intense sun drives up cooling costs. Reflective roofing materials can significantly reduce your energy bills. When you compare roofing options for energy efficiency:
- Metal Roofs: Reflect 60-70% of solar heat, reducing cooling costs by 10-25%
- Tile Roofs: Natural thermal mass provides excellent insulation
- Asphalt Roofs: Absorb more heat, though lighter colors and “cool roof” shingles help
Energy Savings Estimate:
- Metal roofing: $200-$500/year in cooling cost savings
- Tile roofing: $150-$300/year in cooling cost savings
- Asphalt shingles: Baseline (light colors save 5-10% vs. dark shingles)
The energy efficiency of metal roofing and tile roofing can help offset their higher initial costs over time. Insurance companies may also offer discounts for energy-efficient roofing materials.
Salt Air Exposure (Coastal Areas)
Best Choice: Metal Roofing (with proper coatings) or Tile
If you live within 10 miles of the coast, salt air corrosion is a real concern when selecting your roofing material:
- Metal Roofs: Excellent with galvanized steel or aluminum + protective coatings (choose the right type of metal for coastal conditions)
- Tile Roofs: Excellent natural resistance to salt corrosion
- Asphalt Shingle Roofs: Good, but granule loss can accelerate in coastal environments
Heavy Rain and Moisture Resistance
Best Choice: Metal Roofing
Florida receives 50+ inches of rain annually. Water shedding capability is critical for any roof system:
- Metal Roofs: Water runs off metal panels immediately, minimal moisture retention
- Tile Roofs: Excellent water shedding with natural ventilation
- Asphalt Shingle Roofs: Good with quality underlayment protecting the roof deck, but shingles can retain more moisture
Metal roofs are generally superior for moisture resistance, especially standing seam metal systems that have no exposed fasteners. Tile roofs offer excellent drainage, while asphalt roofs rely heavily on the quality of the roof deck underneath and proper installation.
Hail Damage Considerations
While hail is less common in Florida than other states, it does occur:
- Tile Roofs: Can crack from large hail impacts
- Metal Roofs: Some softer types of metal may dent (stone-coated steel resists better)
- Asphalt Shingle Roofs: Impact-resistant shingles available with good performance
Making the Right Choice for Your Home: Comparing Your Roofing Options
Now that you understand the pros and cons of each roofing material, let’s create a decision framework based on your specific situation. Choosing the right roof involves weighing multiple factors to find the best roofing solution for your needs.
Choose Asphalt Shingle Roofs If:
✔ Your budget is $8,000-$15,000
✔ You plan to sell your home within 10-15 years
✔ You prefer traditional aesthetics
✔ Your home is inland with moderate weather exposure
✔ You want the most affordable roofing option with proven performance
Bottom Line: Asphalt shingle roofs offer the best value for budget-conscious homeowners who don’t plan to stay in their home for decades. When you compare shingle vs metal or tile, shingles are easier on your wallet initially, though you’ll replace your roof sooner.
Choose Metal Roofing If:
✔ Your budget is $12,000-$40,000
✔ You plan to stay in your home 10+ years
✔ You live in a coastal or high-wind area
✔ Energy efficiency is a priority
✔ You want the lowest lifetime cost (including energy savings)
✔ You prefer modern or contemporary aesthetics
Bottom Line: Metal roofing offers the best long-term value, especially for homeowners prioritizing durability, hurricane resistance, and energy savings. Metal roofs are also an excellent choice if you’re considering a metal roof for its environmental benefits and minimal maintenance requirements.
Choose Tile Roofing If:
✔ Your budget is $15,000-$45,000+
✔ You want maximum longevity (50-100 years)
✔ Your home has Mediterranean or Spanish architecture
✔ Your home’s structure can support the weight (or you can reinforce the roof deck)
✔ Curb appeal and aesthetics are top priorities
✔ You want superior insulation and energy efficiency
Bottom Line: Tile roofing is the premium choice for homeowners seeking timeless beauty, maximum longevity, and willing to make a significant upfront investment in their roof.
Decision Framework: Compare Your Priorities
Ask yourself these questions when you compare roofing materials:
1. How long do I plan to stay in this home?
- 5-10 years: Asphalt shingles
- 10-20 years: Metal roofs or asphalt shingles
- 20+ years: Metal roofs or tile roofs
2. What’s my total budget (including long-term costs)?
- $8,000-$15,000: Asphalt shingle roofs
- $12,000-$25,000: Metal roofing or concrete tile
- $25,000-$45,000+: Premium metal roofing or clay tile
3. Where is my home located?
- Inland/Central Florida: Any roofing option works
- Coastal (within 10 miles): Metal roofs or tile roofs preferred
- High-wind zone: Metal roofs or tile roofs
4. What’s my architectural style?
- Traditional/Colonial: Asphalt shingles
- Modern/Contemporary: Metal roofing
- Mediterranean/Spanish: Tile roofing
- Craftsman/Ranch: Asphalt shingles or metal roofs
5. How important is energy efficiency?
- Very important: Metal roofing
- Important: Tile roofing or light-colored asphalt shingles
- Less important: Any roofing option
6. What matters most: upfront cost or lifetime value?
- Upfront cost: Asphalt shingle roofs
- Lifetime value: Metal roofs (when you factor in longevity and energy savings)
- Maximum longevity: Tile roofs
When choosing between a metal roof and shingles, or comparing metal roofing and shingles to tile, consider that your roof is one of your home’s most important protective systems. The best roof for your Florida home depends on your unique circumstances, priorities, and budget.
Expert Guidance for Your Roofing Decision
At ZMC Roofing, we’re not here to sell you the most expensive roof. We’re here to help you make the right decision for your home, your budget, and your family’s needs.
Our Commitment to You:
✅ TAMKO Mastercraft Pro Expertise – We’re certified installers of quality roofing systems across all major roofing materials
✅ Transparent, No-Pressure Proposals – We’ll never pressure you into a decision. You’ll receive clear, itemized pricing and honest recommendations about which type of roofing material best suits your needs.
✅ Licensed & Insured – Florida Contractor License CCC1335909, $2M General Liability Insurance
✅ Whole-House Perspective – Through our partnership with a sister design + build company, we consider your entire home’s needs, not just your roof in isolation
✅ Faith-Based Values – We operate with excellence, honesty, integrity, and trust in every interaction
✅ Peace of Mind Guarantee – Our mission is to be the antithesis to the stereotypical contractor—providing you peace of mind, not headaches
How We Help You Choose the Best Roof:
When you schedule a free consultation with our roofing contractor team, we’ll:
- Assess Your Home’s Specific Needs – Roof pitch, structure, current condition of your existing roof, and exposure
- Consider Your Architectural Style – Recommend roofing materials that enhance your home’s aesthetics
- Discuss Your Budget & Timeline – Provide transparent pricing for all roofing options
- Explain Climate Considerations – How each type of roofing material performs in your specific location
- Provide Honest Recommendations – Tell you what we’d choose for our own homes
We’ll never push you toward the most expensive roofing option. Instead, we’ll educate you so you can make a confident, informed decision about your new roof.
Whether you’re considering asphalt shingles or metal roofing, comparing metal vs tile, or trying to decide between traditional asphalt shingles and modern roofing products, we’re here to help you weigh the pros and cons and find the best choice for your home.
Your Roof, Your Choice, Our Expertise
Choosing between shingle, metal, and tile roofing for your Central Florida home doesn’t have to be overwhelming. When you compare roofing materials, here’s what you need to remember:
Asphalt Shingle Roofs offer the lowest upfront cost ($8,000-$15,000), moderate lifespan (15-25 years), and versatile styling—ideal for budget-conscious homeowners or those planning to sell within 10-15 years. Shingles are commonly the most affordable roofing option and are easier to repair than other roofing materials.
Metal Roofing costs more initially ($12,000-$40,000) but delivers superior longevity (40-70 years), exceptional hurricane resistance, outstanding energy efficiency, and minimal maintenance—excellent long-term value for homeowners planning to stay put. Metal roofs can withstand extreme weather, metal roofs are also highly recyclable, and homes with metal roofs often see reduced insurance premiums. When you consider a metal roof, you’re investing in one of the best roofing options for Florida’s challenging climate.
Tile Roofing provides the longest lifespan (30-100 years), outstanding durability, superior insulation, and distinctive Mediterranean aesthetics at premium prices ($15,000-$45,000+)—perfect for homeowners seeking maximum longevity and timeless beauty. A tile roof made of quality clay can last generations.
The best roof for your home depends on your budget, how long you plan to stay, your home’s location and architectural style, and what you value most. When you compare the pros and cons of each type of roof, consider both initial costs and long-term value.
Your next step? Schedule a free, no-pressure consultation with our TAMKO Mastercraft Pro team. We’ll assess your home’s specific needs, discuss your roofing options, and provide transparent pricing so you can make the best decision for your family.
Ready to Reinvent Your Roofing Experience?
At ZMC Roofing, we’re committed to providing you with peace of mind through excellence, honesty, integrity, and trust. Whether you choose asphalt shingles, metal roofing, or tile for your new roof, we’ll ensure your roof is installed to the highest standards. Let us show you what “Roofing Reinvented” really means.