Are asphalt shingles banned in Florida?
Are asphalt shingles banned in Florida? They could get phased out. Here are alternatives
Florida’s top insurance regulator, the Florida Office of Insurance Regulation, might start phasing out one of the most popular roofing materials.
According to a December report from The Palm Beach Post, the office’s commissioner said at the Florida Chamber of Commerce 2024 Insurance Summit in November that asphalt shingles often do not last as long as manufacturers claim.
He mentioned that it is “time to start writing them out of the plot in Florida,” according to The Post.
“There are more resilient roofing types that consumers may want to consider, to not only have their homes hold up better in Florida’s weather, but also to possibly receive credit for in their insurance premiums,” the commissioner’s office told The Palm Beach Post.
Although there isn’t a ban on asphalt roofs in Florida, there could be a shift away from them. Here are some roofing alternatives that last longer.
Are asphalt shingles banned in Florida?
No, asphalt shingles are not banned in Florida, but the state’s insurance industry could start moving away from them.
And the leaders at the Florida Office of Insurance Regulation aren’t the only ones that feel that way.
The Insurance Institute for Business & Home Safety (IBHS), which was founded by the property-casualty industry to develop best construction practices, also says that “asphalt shingles are failing American homeowners, and their durability has not advanced,” according to The Post.
But the cost to re-tile or replace a roof is high and doesn’t help with the affordability crisis Sunshine State homeowners already face due to other factors impacting the state’s shaky home insurance industry.
Will Florida roofing rules change?
Asphalt tiles, popular roofing material, may need to go in Florida
What type of roof lasts the longest in Florida?
Florida PACE is a public agency that provides homeowners with financing options for energy-efficient and hurricane-resistant home improvements. According to PACE, “The type of roofing materials used can significantly impact your insurance rates,” and the best options for Florida are slate, tile, concrete shingles or metal roofs.
As a part of its 2026 strategy, IBHS is planning to release “roofing roadmaps” that will provide guidance on the best and worst wind-performing roof systems over their lifetime by testing which materials are most durable for residential and commercial homes.
According to a Nations Roof report on how long roofing materials last in Florida, asphalt shingle roofs have a shorter life expectancy in Florida than in other states due to high UV exposure and humidity. Asphalt shingles in Florida typically only last around 15 to 20 years, although many companies market asphalt shingles as lasting up to 30 years.
Metal roofs can last more than 40 years in Florida and clay tile roofs can last for 70 years or more with proper maintenance, according to Nations Roof.
Is insurance cheaper with a metal roof in Florida?
Some insurance companies offer discounts for metal roofs because they’re durable and are more fire- and severe weather-resistant than other roofing materials.
To find out which building materials might affect your home insurance premium the most, check with your insurance provider for the most up-to-date information on which building materials will impact your premium and how.
If you want to replace or repair your home’s roof and need help with financial planning, PACE offers tools like a Home Improvement Cost Calculator and has payment plans to help alleviate the financial burden.
The cost of replacing your home's roof depends on which material you choose. Metal and tile roofs are all usually more expensive than asphalt shingles and vary in pricing depending on the type of metal or tile you choose and the complexity of installing the roof on your home.
- Hits: 37