Asphalt shingle
Lowest upfront cost and the most common choice. Lifespan in Florida is roughly 15-25 years. Wind performance depends heavily on installation: nailing pattern, starter strips and sealed edges. Good fit for budget-conscious replacements and HOAs that specify shingle.
Concrete tile
Heavy, durable and long-lived, with a classic Florida look. Cost is higher and the home must be able to carry the weight. The tile outlasts the underlayment, so expect a re-underlayment around the 20-30-year mark. Tile is vulnerable to impact from windborne debris.
Metal
Highest upfront cost among the three for most homes, with the longest life (40+ years) and strong wind and heat performance. Standing seam hides fasteners and minimizes leak points. Near the coast, use coastal-grade finishes and fasteners.
How to decide
Match the roof to how long you will own the home, your HOA rules, your insurer's view and your budget. If you plan to stay 15+ years, the higher upfront cost of metal or tile can be cheaper per year than a second shingle roof.
General information, not legal or insurance advice. Confirm requirements with your insurer and local building department.