As a retired contractor that has installed over 1,500 roofs, I would like to offer the following:
1.) The average life of a shingle roof in the USA is 14 years. After 20 years in the Florida sun, shingle failure is imminent. Insurance companies know this and also know it is far cheaper for them to pay for replacement now rather than pay for replacement and all of the costs associated with a significant water intrusion event
2.) The lifetime manufacturers warranty is to give you warm fuzzies. The manufacturer's warranty only covers manufacturing defects. They do not cover installation issues, which accounts for almost all premature failures. In the past ten years, I only know of one roof that was replaced by the manufacturer's warranty unless a class action lawsuit was involved.
3.) The metal roof will probably last longer but it could sustain considerable damaged in a major hail event. The paint may still be intact, but your roof could be full of dimples. Of course, hail damage to a metal roof is excluded by the metal manufacturer. In other words, do not buy a metal roof because it will last longer, buy it because you like it better than a shingle roof.
4.) I personally have owned a house with both types of roofing materials. Each roofing systems has its merits and also some downsides. I strongly belief their simply is not a perfect roofing material that will last fifty years.
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