I'm no insulation expert for sure (Hawaii last 40+ years - home has no insulation what so ever) but I believe the R11 walls and R38 ceiling code in Florida is primarily directed at summer heat insulation. Winter cold comes from the sides as well as the ceiling so the R11 will still leave you feeling the cold. You will not benefit significantly from only upgrading the ceiling insulation except from the heat from the sun. Just my thoughts.
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