Are Asphalt Shingle Roofs Being Phased Out in Florida?

If you live in Florida, your roof is your home’s first line of defense against hurricanes, intense sun, and unpredictable weather. But could one of the most common roofing materials—asphalt shingles—be on its way out?

At a recent insurance summit, Florida’s insurance commissioner, Michael Yaworsky, hinted that the state might need to “write asphalt shingles out of the plot.” His reasoning? They simply don’t hold up as long as they claim—especially in Florida’s extreme weather.

What’s Wrong with Asphalt Shingles?

Asphalt shingles are the go-to roofing material for most American homes—about 60-65% of Florida roofs use them. They’re affordable, easy to install, and can last up to 30 years in milder climates. But in Florida? Not so much.

• Hurricane Vulnerability – Strong winds can tear shingles off, leaving homes exposed to water damage.
• Shorter Lifespan – While manufacturers promise decades of durability, Florida’s intense heat and storms often reduce that to 20 years or less.
• Insurance Issues – Asphalt roofs have been at the center of fraudulent insurance claims, with contractors exploiting policies for full replacements.

What Does This Mean for Homeowners?

Right now, nothing is set in stone. But changes could be coming. Yaworsky hinted that the state might rework insurance discounts, offering better incentives for homeowners who choose more durable roofing materials—like metal or concrete tiles.