Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Metal Roofs & Florida Insurance Rules & Costs (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/metal-roofs-florida-insurance-rules-costs-351623/)

retired guy 07-25-2024 10:03 AM
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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 07-25-2024 10:58 AM
Quote:
Originally Posted by mpcolonel (Post 2352695)
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 07-25-2024 11:00 AM
Quote:
Originally Posted by Normal (Post 2352696)
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 07-25-2024 11:02 AM
Quote:
Originally Posted by OhioBuckeye (Post 2352787)
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 07-25-2024 11:03 AM
I wouldn't use a black color in Florida though.

Bonanza 07-25-2024 01:11 PM
Concrete Tile Roofs
 
Quote:
Originally Posted by DrMack (Post 2352571)
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 07-26-2024 04:15 AM
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 07-26-2024 04:40 AM
Quote:
Originally Posted by thelegges (Post 2352609)
Can your home support the weight of a metal roof?
lol... one of the best answers yet ....

DarrenandKathy 07-26-2024 05:32 AM
Quote:
Originally Posted by Normal (Post 2352696)
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 07-26-2024 06:14 AM
Quote:
Originally Posted by Mike.Kathy (Post 2352503)
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 07-26-2024 07:09 AM
Quote:
Originally Posted by ron32162 (Post 2352782)
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 07-26-2024 10:05 AM
Good fact-based info.
 
Quote:
Originally Posted by Indydealmaker (Post 2352797)
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?.
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 07-26-2024 11:57 AM
Quote:
Originally Posted by ron32162 (Post 2352782)
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 07-26-2024 12:04 PM
Quote:
Originally Posted by ron32162 (Post 2352782)
You must not live in The Villages a full metal roof is not allowed
Quote:
Originally Posted by paulajr (Post 2353100)
Have seen several houses in The Villages with metal roofs so…..
Quote:
Originally Posted by Frank Hamister (Post 2353234)
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 08-01-2024 01:15 PM
Metal Roofs - suggest u check w the new federal laws
 
There are new federal laws (and maybe State) governing roof materials.


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