Standing seam metal roofing is rated for 140-160 mph winds and lasts 40-70 years, compared to 110-130 mph and 20-30 years for shingles. Here's the full cost, insurance, salt air, and HOA comparison for Sarasota homeowners — from Siesta Key to Lakewood Ranch.
Start your hurricane season roof prep in April, not June. Here's the complete Clearwater homeowner's guide to inspections, DIY vs professional repairs, wind mitigation discounts, and the My Safe Florida Home program — with specific advice for barrier island and mainland properties.
Starting July 1, 2026, Florida's HB 815 makes it illegal for insurers to drop homeowners solely over roof age. Here's what Cape Coral homeowners need to know about the 15-year rule, the 5-year useful life inspection, Citizens flood requirements, and how to protect your coverage.