No more asphalt roofing shingles in Florida?

I just don't see that happening. People can't afford an asphalt roof and now you want them to use tile? Perhaps they should require it on new construction

 

We just got a spray foam roof on our warehouse, granted it's flat. It's self-insulating, bulletproof, and way way cheaper. I would love to put it on my home and paint it but it's going to look kind of silly.

 

I’d suggest that they cannot afford to live in Florida then. Continuously rebuilding down there, especially with tax dollars support, doesnt seem particularly fair or optimal.

 

I get your point but the economy would not be stable if you only had people living there that could afford a tile or metal roof

 

I have seen postmortrmems showing asphalt shingles outperforming tile in high winds.

Granted, the type of tile matters. Molded concrete does better than Spanish tile, and metal roofing outperforms both.

Curved Spanish tile in particular becomes a lethal projectile when it lifts off. I wonder what the recommended replacement is.

 

when I replaced my roof I wanted to do it with a metal roof that looked like asphalt shingles and our HOA would not approve it

 

Many of the insurance companies now will not write new business unless the shingles are architectural shingles or better and 10 years old or less. No 3 tab shingles even if new.

Most of the companies will non renew after the shingles are 20 years old unless replaced and some only go 15 years. They use to give longer for metal roofs but not anymore in most cases.

Last time I priced a roof there was not much difference in metal and shingle replacement cost. Many neighborhoods are not going to let people put metal rooks on their homes.

This is nothing new though. They are way late addressing this problem in Florida as the scam roofers and a run on people getting new roofs to replace worn out shingles was 10 years ago. With high roof deductibles and changes in the law there is way less of that now. Many thousands of people got "free roofs" and homeowners rates are triple what they were 10 years ago.

Premiums have actually leveled out the last two years. If someone is trying to get insurance they will need a roof less than 10 years old in most cases. I seldom see any new home purchases where the roof replacement is not part of the sale unless the roof has recently been replaced.

 

A recently enacted amendment to existing Florida law that went into effect in October of this year prohibits HOAs from disallowing roofing options that are more hurricane resistant, including metal roofs.

Statutes & Constitution :View Statutes : Online Sunshine

 

damn only 2 months too late

 

HOA’s are famous for ignoring laws. Not saying you would lose but it might get expensive to go against your hoa

 

Most important aspect of storm damage prevention on a roof is a secondary barrier/underlayment. A correctly installed ice and water shield will prevent water intrusion no matter how many shingles blow off.

 

You could always replace it now

 

3 tabs are garbage. After hurricane Charley I did hundreds of damage reports. 95%+ of the roofs that blew off were 3 tab shingles.

 

I got a quote on the metal roof before I took it to the HOA and it was $35000- the asphalt shingle roof was $21000- since I was installing solar with battery back up, I went with the asphalt shingles.

 

That is not the issue for insurance companies. The issue is someone getting a little bit of wind damage or hail to a 20 year old roof and the insurance company then has to replace the roof with a new one. The older shingles get brittle and are easy to damage. Of course roofers and homeowners are more than happy to let the insurance company pay for the new roof.

 

Wow. I had my solar installed, now just waiting for the electric company to swap out the meter before turning it on

 

That's usually my luck.

 

The legislature put some teeth in this one. From the statute I linked above.:

"(b) If the association or any architectural, construction improvement, or other such similar committee of the association should unreasonably, knowingly, and willfully infringe upon or impair the rights and privileges set forth in the declaration of covenants or other published guidelines and standards authorized by the declaration of covenants, the adversely affected parcel owner is entitled to recover damages caused by such infringement or impairment, including any costs and reasonable attorney fees incurred in preserving or restoring the rights and privileges of the parcel owner set forth in the declaration of covenants or other published guidelines and standards authorized by the declaration of covenants."

 

I smell BS. The article says shingles are a problem, but show pictures of the entire structure being ruble. Even if you went thick gauge metal, the insurance companies will find an excuse to not cover you if there is a 'dent'.

The problem isnt the storms. Its people building expensive properties on the coast. The majority of folks 10 miles inland and further have not much to worry about except flooding, which isnt part of homeowner insurance anyway. The entire industry needs to be rethought, especially for coastal areas.