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Weathering the Storm: Why Metal Roofs Make Dollars and Sense for Florida Homeowners. Benefits of a Metal Roof.

Florida's sunshine state reputation comes with a flip side: powerful storms. Here at Sunbird Home Inspections, we understand the importance of a secure roof over your head. If your recent roof inspection revealed a failing roof and your insurance company requires a replacement for continued coverage, you might be facing a significant financial decision. But before settling for a traditional asphalt shingle roof, consider the long-term benefits of a metal roof.

A new metal roof on a florida home

While the initial cost of a metal roof can be higher than asphalt shingles, the advantages it offers make it a compelling investment for Florida homeowners. Let's delve into why a metal roof might be the perfect solution for your storm-resilient home:

Durability That Defies the Elements: Benefits of installing a Metal Roof

Metal roofs are built to last. Unlike asphalt shingles, which typically last 15-20 years, metal roofs boast a lifespan of 40-70 years! This translates to significant savings throughout your homeownership journey.

  • Superior Wind Resistance:  Florida is notorious for hurricanes and high winds. Metal roofs, with their superior strength, can withstand winds exceeding 140 mph, significantly reducing the risk of windblown damage. This translates to fewer repairs and potential insurance claims.

  • Impact Resistance:  Hailstorms can wreak havoc on traditional roofs. Metal roofs, however, stand strong against hail, offering exceptional impact resistance. This peace of mind is invaluable in regions prone to unexpected hailstorms.

  • Fire Resistance:  Metal roofs are non-combustible and have a Class A fire rating, the highest possible designation. This translates to a lower fire risk for your home, potentially reducing your insurance premium.

  • Low Maintenance:  Metal roofs require minimal maintenance compared to asphalt shingles. They don't crack, curl, or rot, and their smooth surface sheds debris and resists the growth of moss and algae.

Energy Efficiency: A Cool Proposition

Florida's scorching summers put a strain on your cooling system. Metal roofs reflect sunlight and heat radiation, leading to cooler attic temperatures and potentially lowering your energy bills. Studies show metal roofs can contribute to energy savings of 10-25%, especially when combined with proper insulation.

Aesthetic Appeal and Curb Appeal

Metal roofs are no longer just for industrial buildings. Today, they come in a variety of styles, colors, and finishes, allowing you to complement your home's architectural style. Metal roofs can even be designed to mimic the look of traditional shingles, offering a classic aesthetic with superior performance.

Insurance Premiums: A Potential Silver Lining

While the initial cost of a metal roof might be higher, some insurance companies offer discounts for homes with metal roofs due to their lower risk of weather-related damage and fire resistance. Contact your insurance provider to inquire about potential savings after installing a metal roof.

Considering the Long-Term Value

Metal roofs are an investment, but one that pays off handsomely over time. When you factor in the longevity, minimal maintenance needs, and potential insurance savings, a metal roof becomes a financially sound decision.

Here's a quick comparison to highlight the long-term value proposition:


Asphalt Shingles

Metal Roof


15-20 years

40-70 years

Maintenance Costs

High (regular repairs and replacements)

Low (minimal maintenance required)

Insurance Costs


Potentially lower

Energy Efficiency


High (can reduce cooling costs)

Resale Value

May not significantly impact

May increase

Making the Informed Choice

While metal roofs offer numerous advantages, it's important to consider all aspects before making a decision.

Here are some additional factors to keep in mind:

  • Initial Investment:  Metal roofs have a higher upfront cost than asphalt shingles. However, consider it a long-term investment with lower maintenance and replacement costs.

  • Noise Concerns:  Metal roofs can generate some noise during heavy rain or hail, especially on older installations. Modern metal roofs with proper insulation can significantly reduce noise levels.

  • Professional Installation:  Metal roofs require proper installation by experienced professionals to ensure optimal performance and longevity.

Sunbird Home Inspections: Your Partner in Smart Homeownership

At Sunbird Home Inspections, we understand the importance of a thorough and reliable inspection when making a significant home improvement decision. Our experienced inspectors can assess the condition of your existing roof and advise you on the best course of action, considering your specific needs and budget.

If you're considering a metal roof, we can recommend reputable roofing contractors who specialize in metal roof installation to ensure a high-quality job.

**Contact Sunbird Home Inspections today to schedule a comprehensive inspection

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