Updated November 4, 2026
Start with code, not brand
In Pinellas County, any roofing material must meet the Florida Building Code, and the county's permit process asks for product approvals proving the roofing meets Florida code. That is the baseline. After that, the choice comes down to your home's structure, budget, look, and how long you plan to stay.
Prices vary widely by material, roof size, and complexity, so this guide leaves out numbers. Ask for written quotes for each option you are considering.
Asphalt shingles
Shingles are common because they are widely available and generally the most familiar option to installers. Wind performance depends on the specific product and how it is installed, including nail type, number, and placement, so ask your contractor to point to the product approval and the manufacturer's installation requirements for high-wind areas.
- Ask which wind rating the product carries and what installation method that rating assumes.
- Ask about the warranty and what voids it.
- Ask whether the shingle is intended for your wind exposure.
Shingle roofs are often the easiest to repair in sections later, but a patch can be harder to match as the existing roof ages. Ask your roofer how they would handle a future repair.
Concrete and clay tile
Tile is a familiar look in Florida. Tile roofs are heavy, so roofers usually check that the structure can carry the weight, and installation details such as how tiles are fastened or adhered matter a great deal for wind. Because tile pieces can break in storms or when walked on, ask how repairs are handled and whether replacement tiles are readily available for your style.
- Ask about the underlayment under the tile; it is often the real waterproofing layer.
- Ask how flashing and penetrations will be handled.
- Ask whether a structural check is included in your quote.
Metal roofing
Metal panels are an option many Florida homeowners consider for wind and sun exposure. Performance depends on panel profile, gauge, fastening system, and installation. Ask for the product approval, the fastening pattern, and what finish and coastal-air considerations apply. Salt air is a real factor for homes near the water, so ask how the coating and fasteners hold up in coastal conditions.
Metal roofs also qualify as a roof covering on the state's wind mitigation form when they meet current Florida Building Code standards, alongside shingles and tile.
What matters as much as the material
Ask any contractor how they will handle the parts under the covering. Florida Statute 553.844 requires roof replacements to strengthen the deck attachment and include a secondary water barrier, and the wind mitigation form looks at roof-deck attachment, roof-to-wall connections, and a secondary water barrier. Roof shape also counts: a hip roof is the shape that the state's guide describes as most wind-resistant.
- Deck attachment: how the plywood is nailed to the framing.
- Secondary water barrier: a layer that helps keep water out if the covering blows off.
- Flashing and penetrations: a common leak source.
- Roof-to-wall connections: clips or straps; may be examined during an inspection.
See the statute and the state's wind-discount consumer guide.
Questions to ask every roofer
- What is the Florida product approval number for each material?
- What is the written manufacturer warranty, and does your installation keep it valid?
- How will the deck be fastened and the secondary water barrier installed?
- Will you provide photos for the permit inspection or affidavit?
- Who is responsible if the covering fails because of installation?
- Can I see recent local jobs and talk to a customer?
A good roofer will answer clearly and in writing. Vague answers are a signal to keep looking.
It also helps to ask each company to quote the same scope, so you are comparing like with like. If one bid leaves out deck repair, underlayment, or flashing, the price will look lower but the job is not the same. Put your questions in an email so the answers are on record, and keep the product approval documents with your permit paperwork.
Frequently asked questions
What is the best roof for a Pinellas County home?
It depends on your home's structure, budget, and goals, so there is no single answer. Compare shingle, tile, and metal using product approvals, installation methods, and written warranties, and get itemized quotes.
Do I need to ask about product approvals?
Yes. Pinellas County's permit process asks for proof that roofing meets Florida code. A licensed contractor should be able to give you the product approval for each material.
Does a metal or tile roof lower my insurance?
Not automatically. Several coverings qualify on the wind mitigation form if they meet current code. The actual discount depends on your insurer and the features documented.
Does roof shape matter?
Yes. The state's consumer guide says a hip roof is the most wind-resistant shape, and roof shape is one of the features on the wind mitigation form.