Metal Roofs & Florida Insurance Rules & Costs

[Mike.Kathy]

I just got off the phone with The Villages Insurance, I called them because I was thinking of upgrading my asphalt shingle roof to a metal shingle roof. I asked them if a metal roof has the same stupid 15-year rule about replacement or being dropped by the insurance company. I was asking because the metal roofs cost a lot more but have a 50-to-100-year life. There answer to me was yes it falls under the same Florida roof requirement depending on which insurance company you use.
My question to anyone with a metal roof has this happen to you, have you had an increase in your insurance due to the age of your roof.

Thanks

[Rainger99]

Does the Villages allow metal roofs??

[Mike.Kathy]

I live in a courtyard Villa and was told by the ARC yesterday that they make metal shingle roofs that look like asphalts shingle roofs. I should look at a color that is similar to my current roof and submit an application with a sample of the shingle. She said that it would most likely be approved.

But my question was, why paid extra for a metal roof if it has the same 15 year rule like the asphalt roofs do.

[DrMack]

I live in a courtyard Villa and was told by the ARC yesterday that they make metal shingle roofs that look like asphalts shingle roofs. I should look at a color that is similar to my current roof and submit an application with a sample of the shingle. She said that it would most likely be approved.

But my question was, why paid extra for a metal roof if it has the same 15 year rule like the asphalt roofs do.

Concrete shingles will last much longer and are wind proof. We have some on the beach house. They had to do some work in the attic and redo the plywood on top, but they are great during storms.

[eyc234]

Talk to another insurance company.

[thelegges]

Can your home support the weight of a metal roof?

[FredMitchell]

Can your home support the weight of a metal roof?
Since they weigh about 50% of what asphalt roofing shingles weigh, the answer is yes.

[mpcolonel]

I just got off the phone with The Villages Insurance, I called them because I was thinking of upgrading my asphalt shingle roof to a metal shingle roof. I asked them if a metal roof has the same stupid 15-year rule about replacement or being dropped by the insurance company. I was asking because the metal roofs cost a lot more but have a 50-to-100-year life. There answer to me was yes it falls under the same Florida roof requirement depending on which insurance company you use.
My question to anyone with a metal roof has this happen to you, have you had an increase in your insurance due to the age of your roof.

Thanks
Not sure why In the lightning capital why you would want a metal roof

[Normal]

Can your home support the weight of a metal roof?

Metal roofs are extremely light. Just wait till you see hurricane force winds hit one. It’s like peeling an onion.

[Rocksnap]

Ever pick up a bundle of shingles? Probably weighs less than a shingle roof!
I’d be more worried about a metal roof now being a lightening rod.

[Tamerack]

Has anyone checked out the 'safety' factor of a metal roof? Ha, maybe install lightning rods at the same time.

[ron32162]

You must not live in The Villages a full metal roof is not allowed

[OhioBuckeye]

I just got off the phone with The Villages Insurance, I called them because I was thinking of upgrading my asphalt shingle roof to a metal shingle roof. I asked them if a metal roof has the same stupid 15-year rule about replacement or being dropped by the insurance company. I was asking because the metal roofs cost a lot more but have a 50-to-100-year life. There answer to me was yes it falls under the same Florida roof requirement depending on which insurance company you use.
My question to anyone with a metal roof has this happen to you, have you had an increase in your insurance due to the age of your roof.

Thanks

So you’re getting lighting rods so you can attract lighting. Yea, I know this roofing company gave you some song & dance why metal roofs are better. Then why aren’t lighting rods made of asphalt or plastic. So why didn’t they start putting them on houses yrs. ago if they have a 50 to 100 yrs life span? So in other words Ins. rates should go down, right because no more houses destroyed by lighting. We’ll see soon enough. Hope you’re right, not trying to start an argument.

[Indydealmaker]

Has anyone checked out the 'safety' factor of a metal roof? Ha, maybe install lightning rods at the same time.

metal roofs do not attract lightning. In fact, a metal roof can actually make a lightning strike much less dangerous. As a naturally.

What happens when lightning strikes a metal roof? (https://www.decra.com/blog/what-happens-when-lightning-strikes-a-metal-roof#:~:text=As%20mentioned%20earlier%2C%20metal%2 0roofs,lightning%20strike%20much%20less%20dangerou s).

[Bill14564]

So you’re getting lighting rods so you can attract lighting. Yea, I know this roofing company gave you some song & dance why metal roofs are better. Then why aren’t lighting rods made of asphalt or plastic. So why didn’t they start putting them on houses yrs. ago if they have a 50 to 100 yrs life span? So in other words Ins. rates should go down, right because no more houses destroyed by lighting. We’ll see soon enough. Hope you’re right, not trying to start an argument.

I don't see where Mike.Kathy mentioned lightning rods at all.

Lightning rods do not attract lightning to a house. If lightning hits a lightning rod then it was going to hit that house anyway. The lightning rod provided a safer place for it to hit and probably saved the house.

Lightning rods are not made of asphalt or plastic because asphalt or plastic are not good conductors of electricity. Lightning rods to not attract lightning to a house. Lightning rods provide a safer place for lightning to hit and channel to ground rather than hitting the asphalt shingles and damaging the house.

Metal roofs do not deteriorate like asphalt shingles do. Asphalt shingles do not get dented like metal roofs do. Metal roofs ought to last much longer than shingles. It is a very valid question to ask whether an insurance company treats metal roofs differently than asphalt shingles. It is also a valid question to ask whether the ARC rules for your CDD allows metal roofs.

[retired guy]

Here is a pic of my house in Pa with a metal roof. Wind rated at 110 mph. I will be asking if I can do the same at the house in TV.

[Cliff Fr]

Not sure why In the lightning capital why you would want a metal roof

It's a fallacy that metal roofs attract lightning. Lightning goes to the highest and nearest point. As a matter of fact, if lightning does happen to strike a metal roof the energy is dispersed instead of making a hole in the roof as it would on a shingle roof.

[Cliff Fr]

Metal roofs are extremely light. Just wait till you see hurricane force winds hit one. It’s like peeling an onion.

Not true. If properly installed they survive hurricanes better than shingle roofs. That's why you see them used in Key West.

[Cliff Fr]

So you’re getting lighting rods so you can attract lighting. Yea, I know this roofing company gave you some song & dance why metal roofs are better. Then why aren’t lighting rods made of asphalt or plastic. So why didn’t they start putting them on houses yrs. ago if they have a 50 to 100 yrs life span? So in other words Ins. rates should go down, right because no more houses destroyed by lighting. We’ll see soon enough. Hope you’re right, not trying to start an argument.

There are a lot of old Florida houses with metal roofs that have lasted for years and years

[Cliff Fr]

I wouldn't use a black color in Florida though.

[Bonanza]

Concrete shingles will last much longer and are wind proof. We have some on the beach house. They had to do some work in the attic and redo the plywood on top, but they are great during storms.

Concrete tile roofs are NOT necessarily "wind proof."
Flat tile roofs offer more protection that s-shape or barrel tile styles but the roof's pitch is probably even more important that the shape of the tile.

[Southwest737]

But my question was, why paid extra for a metal roof if it has the same 15 year rule like the asphalt roofs do.[/QUOTE]

There is no requirement to replace your roof at 15 years. Mine is original asphalt roof built in 04 and insured with Tower Hill.

[RICH1]

Can your home support the weight of a metal roof?
lol... one of the best answers yet ....

[DarrenandKathy]

Metal roofs are extremely light. Just wait till you see hurricane force winds hit one. It’s like peeling an onion.

I had asphalt shingles on my home here in Atlantic Canada. We live on the Atlantic Coast waterfront and built the home 5 years ago.
The shingles were applied properly and 6 nailed as well as tabbed with cement as we knew how bad the conditions were going to be.
First year we had 3 major blowoffs of multiple shingles.
Properly installed a metal roof over and not one problem since.
During hurricane Fiona that caused massive damage in our area almost everyone in the area had lost shingles.
Our metal roof was untouched.
Shingles will withstand 95-115 mph winds where metal can exceed 200 mph.

[hollyrich2]

I just got off the phone with The Villages Insurance, I called them because I was thinking of upgrading my asphalt shingle roof to a metal shingle roof. I asked them if a metal roof has the same stupid 15-year rule about replacement or being dropped by the insurance company. I was asking because the metal roofs cost a lot more but have a 50-to-100-year life. There answer to me was yes it falls under the same Florida roof requirement depending on which insurance company you use.
My question to anyone with a metal roof has this happen to you, have you had an increase in your insurance due to the age of your roof.

Thanks

Most carriers want a shingle roof over 10 years old. A tile or metal roof they want 15 years or newer. Their answer was incorrect. Metal roofs have a longer life expectancy than a shingle roof. I’m an insurance agent and would be happy to provide a quote. You can change carriers midterm without penalty. Please feel free to contact me 954-437-9220 ext. 308 or hrichardson4@allstate.com. I work remotely.

[paulajr]

You must not live in The Villages a full metal roof is not allowed

Have seen several houses in The Villages with metal roofs so…..

[john352]

metal roofs do not attract lightning. In fact, a metal roof can actually make a lightning strike much less dangerous. As a naturally.

What happens when lightning strikes a metal roof? (https://www.decra.com/blog/what-happens-when-lightning-strikes-a-metal-roof#:~:text=As%20mentioned%20earlier%2C%20metal%2 0roofs,lightning%20strike%20much%20less%20dangerou s).

Steven Massy, thank you for the fact-based information available on the internet. It is nice to read a fact-based comment instead of personal, unscientific options.

[Frank Hamister]

You must not live in The Villages a full metal roof is not allowed

Wow. What is your source for that tidbit of information?

[Bill14564]

You must not live in The Villages a full metal roof is not allowed

Have seen several houses in The Villages with metal roofs so…..

Wow. What is your source for that tidbit of information?

Found in the first three ARC manuals I looked at:

2. Telsa and metal roofs may be permitted but architectural approval is required.

[lorilorilori]

There are new federal laws (and maybe State) governing roof materials.

[DAVES]

I just got off the phone with The Villages Insurance, I called them because I was thinking of upgrading my asphalt shingle roof to a metal shingle roof. I asked them if a metal roof has the same stupid 15-year rule about replacement or being dropped by the insurance company. I was asking because the metal roofs cost a lot more but have a 50-to-100-year life. There answer to me was yes it falls under the same Florida roof requirement depending on which insurance company you use.
My question to anyone with a metal roof has this happen to you, have you had an increase in your insurance due to the age of your roof.

Thanks

I do not claim to be an expert. Far as 15 years and insurance, I think it is 13 not 15. Far as a metal roof the Villages regulations may well prevent that. As far as roof warranty, I would read the fine print. Likely it is a prorated warranty and does not include labor.
Labor is like half the cost. Not in Florida. Years ago we had a new roof put on our home.
I asked around for recommendations. I asked around and a "friend," told me he hired a company and they were GREAT. Typically as we do you get three estimates. This guy was the most expensive. They were TERRIBLE. Crew was day labors they pick up at like Home depo parking lots. The xinger, my "friend" diapered. The company sends you a form if you refer them and the person mentions your name they pay you like $800. Point beware of who you deal with. When your shingles have been taken off and the guy says you need and it will cost you $$$$$$ they got yah.