Can metal roofing be installed over existing shingles?

Florida Building Code allows metal roofing over one existing layer of shingles if the deck is structurally sound. NEXGEN recommends full tear-off on most jobs so the decking can be inspected, damaged boards replaced, and underlayment installed directly to the deck to meet the full system specification.

Does metal roofing affect homeowner's insurance in Florida?

Generally in a positive direction. Under Florida's 2022 roofing law (SB 4-D), insurers may require a roof inspection once a roof reaches 15 years old and can decline to renew if the roof is not expected to last at least five more years. A metal roof with a 40-50 year lifespan removes that pressure for decades. Some carriers also offer premium credits for metal roofing. The specific impact depends on your insurer and policy, so ask your agent before choosing a material based on expected premium changes.

What is the difference between standing seam and exposed fastener metal roofing?

Standing seam metal roofing conceals the fasteners within interlocking seams, leaving no exposed penetration points. It is the premium system, with 160+ mph wind resistance, a 40-50 year lifespan, and the lowest maintenance requirements. Exposed fastener metal roofing uses visible screws driven through the panel. It costs less to install and still provides strong wind resistance and a 35-45 year lifespan, but the rubber gaskets on the fasteners degrade in Florida's UV environment and typically need re-sealing every 10 to 15 years.

Is metal roofing better than shingles for coastal properties in Jacksonville?

Metal generally outperforms shingles on coastal properties for lifespan and wind resistance, but the installation spec matters as much as the material. For properties within two miles of the ocean, including Atlantic Beach, Neptune Beach, Jacksonville Beach, and oceanfront Ponte Vedra Beach, aluminum panels are often preferred over steel because of their natural corrosion resistance in salt air. Stainless or aluminum fasteners and flashings are required; standard galvanized hardware corrodes much faster near the coast. NEXGEN installs to coastal spec as standard on all properties within two miles of the ocean.

The Short Version

NEXGEN Roofing installs standing seam and exposed fastener metal roofing in Jacksonville, FL and the Beaches. A metal roof lasts 40 to 50 years, about twice an asphalt shingle roof, resists 160+ mph winds, and removes the 15-year insurance non-renewal problem shingle roofs face in Florida. Every job is permitted, city-inspected, and covered by a 10-year workmanship warranty.

How much does a metal roof cost in Jacksonville?: $25,000–$60,000 for standing seam, $18,000–$40,000 for exposed fastener, full residential replacement. Financing from 9.99% APR.
How long does a metal roof last here?: 40–50 years for standing seam, 35–45 for exposed fastener, versus 20–25 for architectural shingles in the same climate.
Standing seam or exposed fastener?: Standing seam hides every fastener and needs no re-sealing. Exposed fastener costs less but its washers need attention around year 10–15. Snap-lock standing seam is the default on most Jacksonville homes.
Steel or aluminum?: 24-gauge Galvalume steel inland. Aluminum near saltwater. Most steel warranties are reduced or void within about 1,500 ft of salt or brackish water, including the Intracoastal.
Will it be loud or hot?: No. Over solid decking and synthetic underlayment it is no louder than shingles, and it reflects heat instead of absorbing it, so the attic runs cooler.
Does it help with insurance?: Usually. Florida insurers can non-renew shingle roofs at 15 years; a 40–50 year metal roof takes that off the table. Some carriers offer credits. Confirm with your agent.
Is it hurricane rated?: Yes. Every panel we install carries a Florida Product Approval tested for Jacksonville's 125–130 mph design wind speed, and standing seam is rated 160+ mph.
Can it go over my shingles?: Code allows one layer if the deck is sound, but most pre-2002 homes need a secondary water barrier that can't be installed over shingles. We recommend full tear-off.

Free inspection with a written photo report. Call (904) 802-7150 or schedule online. Choosing a panel? Read Types of Metal Roofing in Jacksonville.

Metal Roofing in Jacksonville

A metal roof is the last roof most Jacksonville homes will need. Standing seam metal lasts 40 to 50 years with proper installation, roughly twice the 20 to 25 years an architectural shingle roof gets in Northeast Florida, where 50 inches of rain a year, salt air, and a July roof surface near 160°F wear shingles out early. It also removes the 15-year insurance non-renewal question that shingle roofs run into. If you plan to stay in the home or you're near the coast, the math favors metal.

NEXGEN Roofing installs standing seam and exposed fastener metal roofing throughout Jacksonville and Northeast Florida. Our standard residential spec is 24-gauge snap-lock standing seam with a PVDF finish, aluminum instead of steel anywhere near saltwater, and a Florida Product Approval number matched to the exact assembly on your quote and tested for Jacksonville's 125 to 130 mph design wind speed.

Every installation is permitted through the local municipality, city-inspected, and backed by our 10-year workmanship warranty. We're an Owens Corning Platinum Preferred Contractor and GAF Certified Plus contractor, and the same installation standard applies to every metal roof we put on. For a full breakdown of panel types, materials, and what to ask any roofer, read our guide to types of metal roofing in Jacksonville.

An aerial view of a suburban house with a white metal roof, a driveway with a white car, lush green lawn, palm trees, and a paved walkway leading to the front porch.

Our metal roofing services include:

Full Metal Roof Replacement — complete tear-off, decking inspection, high-temperature synthetic underlayment, and standing seam or exposed fastener panels installed to FBC Wind Zone II. Every job is permitted, city-inspected, and covered by our 10-year workmanship warranty. Most homes are done in one to three days. [Details →](/residential-roofing)

Storm Damage & Insurance Work — wind, hail, and impact damage photographed and documented before anything is touched, so your claim has a clean record. We coordinate directly with your adjuster and meet them on site. [Emergency repairs →](/emergency-repairs)

Free Roof Inspection — full surface and flashing assessment with a written photo report you keep. We'll tell you whether metal is the right call for your home or whether shingles make more sense for your budget. No obligation. Call 904-701-1370.

We install metal roofing in Jacksonville, Jacksonville Beach, Atlantic Beach, Neptune Beach, Ponte Vedra Beach, and across Northeast Florida - coastal homes within two miles of the ocean are built to salt-air spec as standard.

40–50yr
Standing Seam Lifespan
160+ mph
Wind Resistance
24ga
Standard Panel Gauge
10yr
NEXGEN Workmanship Warranty
100%
Permitted & City-Inspected
500+
5-Star Reviews
Start Here
A Metal Roof Is Three Separate Decisions
Most quotes blur them together. Keeping them apart is how you compare bids and end up with the right roof for your house, not the one a salesperson had on the truck.
1
How it attaches
Concealed fasteners (standing seam) or exposed screws through the panel face. This is the single biggest difference in what you'll maintain later.
2
What's rolled into it
The pan texture (smooth, striated, pencil rib, center bead) and the paint system. These decide how flat it looks in low sun and how long the color holds.
3
What it's made of
Galvalume steel inland, aluminum near saltwater, and 24 gauge over 26 where the budget allows. Near the water, this decides whether your warranty holds.
Decision 1 · Attachment
Standing Seam vs Exposed Fastener
Both are real metal roofs with real wind ratings. They differ in cost today and in what you'll be doing on a ladder in year twelve.
Premium System
Standing Seam
Concealed fasteners on floating clips. Nothing penetrates the panel face.
Zero exposed penetrations
Every fastener sits inside an interlocking seam. No screw heads to leak, corrode, or re-seal, ever.
160+ mph uplift resistance
Highest tested uplift ratings of any residential panel. Mechanically seamed double-lock is what goes on oceanfront and low-slope roofs.
Built to move
A 40-ft steel panel grows about 5/16" between a 60°F morning and a 160°F July roof surface. Floating clips let it, so nothing buckles or works loose.
40–50 year lifespan
Roughly two shingle roofs. For most owners it's the last roof the house needs, and it ends the 15-year insurance non-renewal question.
Nothing to re-seal in year 15
No washers, no gaskets, no periodic re-fastening. Maintenance is a visual check and clear gutters.
$25,000–$60,000 installed
Full residential replacement in Jacksonville, by home size, roof complexity, and panel profile. Financing from 9.99% APR →
Profiles we install
Snap-lock · default, 3:12+Mechanically seamed · down to ½:12Nail strip · short runsMetal shingle / S-tile · HOA & historic
Value System
Exposed Fastener
Screws through the panel face with rubber washers. Cheaper, faster, and it needs you back on the roof eventually.
Lowest cost path to metal
Most of standing seam's performance for meaningfully less. 5V crimp in 26-gauge Galvalume is the cheapest metal roof that still looks deliberate.
150+ mph, Wind Zone II
Still a large step up from shingles. Every assembly carries a Florida Product Approval tested for Jacksonville's design wind speed.
35–45 year lifespan
Well past two shingle cycles, provided the fasteners get their maintenance.
Washers wear out
Florida UV breaks down the rubber seals photon by photon. Plan on inspection and selective re-fastening around year 10–15.
Pinned, not floating
Panels can't move with heat, so screw holes elongate over time. Best on shorter runs and simple gables, not long complex roofs.
$18,000–$40,000 installed
Full residential replacement in Jacksonville. Project-specific estimate after inspection.
Profiles we install
5V crimp · cottage & farmhouseCorrugated · porches & accentsU-panel · garages & workshopsR-panel / PBR · commercial & ag
Quick Reference
Every Panel We Install, at a Glance
Minimum slope is a code line, not a preference. If a section of your roof is under 3:12, snap-lock and 5V are off the table for that section.

      
        SystemFastenersMin. SlopeCostMaintenanceTypical Use

        Standing seam · concealed
Mechanically seamedConcealed clips½:12 – 1:12HighestMinimalCoastal, low-slope, complex roofs
Snap-lockConcealed clips3:12HighMinimalMost residential replacements
Nail stripConcealed flange3:12ModerateMinimalShorter runs, budget standing seam
Metal shingle / S-tileConcealed interlock3:12HighMinimalHOA and historic districts, tile look
Exposed fastener
5V crimpExposed3:12LowWashers at 10–15 yrsCottage, farmhouse, simple gables
CorrugatedExposed3:12LowWashers at 10–15 yrsPorches, outbuildings, accents
U-panelExposed3:12LowWashers at 10–15 yrsGarages, additions, workshops
R-panel / PBRExposed¼:12 – 3:12LowWashers at 10–15 yrsCommercial and agricultural

      
    
Full breakdown of each profile, pan textures, and paint systems: Types of Metal Roofing in Jacksonville →
Performance Comparison
Metal vs Asphalt Shingles in Jacksonville
Same climate, same code. 50 inches of rain a year, salt air, and a roof surface that hits 160°F in July.

        
          FactorAsphalt ShinglesStanding Seam MetalExposed Fastener Metal

          Performance
Expected lifespan (Jacksonville)20–25 years40–50 years35–45 years
Wind resistance130 mph (Duration / HDZ)160+ mph150+ mph
Fire ratingClass AClass AClass A
HeatAbsorbs; degrades over timeReflects; cooler atticReflects; cooler attic
Salt airAdequate with corrosion-resistant hardwareExcellent in aluminumGood with proper hardware
MaintenanceLowVery lowModerate (washers at 10–15 yrs)
Insurance & cost
Insurance non-renewal riskHigh at 15 yearsEffectively eliminatedEffectively eliminated
Upfront cost (avg Jacksonville home)$8,500–$25,000$25,000–$60,000$18,000–$40,000
Roofs needed over 50 years2–311–2
Code & installation
FBC Wind Zone II compliant✓✓✓
Florida Product Approval (FL number)✓✓ Provided with quote✓ Provided with quote
Permit required✓ Always✓ Always✓ Always

        
      
Pricing reflects NEXGEN Jacksonville market data 2025. Lifespan estimates based on Northeast Florida climate. Insurance impact varies by carrier; confirm with your agent. Full cost guide →
Decision 3 · Material
Steel vs Aluminum: Check Your Address, Not Your City
Inland, Galvalume steel is the best value in the category. Near saltwater, it's a warranty problem before it's a rust problem.

      
        FactorGalvalume SteelAluminum

        CorrosionGood; zinc/aluminum coating over steelNothing in it to rust
Substrate warranty25–40 years, reduced or excluded near saltwaterCoverage doesn't shrink closer to the ocean
Thermal movementLess; smooth pan is fineAbout 2× steel; specify striated pan
Dent resistanceBetter; harder materialSofter; more prone to hail dents
Standard gauge24 ga (0.024") standing seam · 26 ga (0.018") exposed0.040" standing seam · 0.032" exposed
CostLowerSlightly higher
NEXGEN recommends forInland Duval, Clay, western St. Johns, most applicationsJax Beach, Atlantic Beach, Neptune Beach, Ponte Vedra, and Intracoastal-front homes from Palm Valley through Queen's Harbour

      
    
1,500ft
The saltwater warranty line
Most steel manufacturers reduce or exclude warranty coverage within a set distance of saltwater, commonly around 1,500 feet, and that includes brackish water on the Intracoastal. Inside the line, a 40-year substrate warranty can drop to 25, a 35-year paint warranty to 20, and rust-through coverage may not apply at all. The distance varies by manufacturer, product, and finish, so it's a property-by-property question. We check the warranty document against your address before we spec the panel. Near the coast, screws and trim are stainless or aluminum to prevent mixed-metal corrosion.
What We'd Spec
The Right Metal Roof for Your Situation
Metal is an excellent roof for a lot of Jacksonville homes and the wrong roof for some of them. Here's how we'd start the conversation.
If you're staying long-term, inland
24-ga Galvalume snap-lock
Striated pan, PVDF (Kynar 500) finish. Best long-run value in the category. 30–35 year paint warranty; no fastener maintenance.
If you're within a mile of the Atlantic or Intracoastal
Aluminum standing seam
With written warranty terms checked against your address. Striated pan is non-negotiable here, since aluminum moves about twice as much as steel.
If any section is under 3:12 slope
Mechanically seamed double-lock
The only standing seam approved down to ½:12. Snap-lock and 5V on a non-approved slope will leak; we won't install them there.
If you want the crispest modern look
Smooth pan, narrow, heavy, light
Smooth pan on narrow panels, 24 gauge, a lighter color, low-gloss finish. That combination gives the cleanest line with the best odds against waviness.
If an HOA or historic district has a say
Stamped metal shingle or S-tile
In aluminum. Reads as tile or shake from the street with metal's lifespan and a fraction of the weight.
If the budget is tight and the roof is a simple gable
5V crimp, 26-ga Galvalume
Inland only. The cheapest metal roof that still looks intentional. Plan on fastener maintenance around year 10–15.
Before You Sign
Eight Questions to Ask Any Roofer, Including Us
You don't have to understand every answer. You'll learn plenty from how easily they come.
1
Who's on my roof, your crew or a subcontractor?
Either works. You need to know who to call if something goes wrong.
2
Whose panel is it, and where's it made?
Anyone who installs metal regularly names their manufacturer without hesitating.
3
Steel or aluminum, and does it matter where I live?
Near the water it matters a great deal. "I'm not sure" is the wrong answer.
4
Are the screws hidden, or through the panel face?
The single biggest difference in what you'll maintain later.
5
Is my roof going to look wavy?
A good answer covers panel width, gauge, and pan texture. A bad one is "no."
6
What are the warranties: panel, paint, and labor?
Three separate documents with three different lengths. Get copies before you sign.
7
Are you pulling a permit, and will the city inspect?
Yes is the only acceptable answer. That paperwork protects you when you sell.
8
Can you show me the Florida approval for this exact roof?
Every metal system has a state-issued FL number. A real installer pulls it up in thirty seconds.
Free Inspection. Straight Answer.
We'll tell you whether metal is the right call for your home, which panel and material fit your address, and what it will cost. If shingles make more sense for your budget, we'll say that too.

        Schedule Free Inspection
        Get Instant Quote
      
Or call (904) 802-7150

System	Fasteners	Min. Slope	Cost	Maintenance	Typical Use
Standing seam · concealed
Mechanically seamed	Concealed clips	½:12 – 1:12	Highest	Minimal	Coastal, low-slope, complex roofs
Snap-lock	Concealed clips	3:12	High	Minimal	Most residential replacements
Nail strip	Concealed flange	3:12	Moderate	Minimal	Shorter runs, budget standing seam
Metal shingle / S-tile	Concealed interlock	3:12	High	Minimal	HOA and historic districts, tile look
Exposed fastener
5V crimp	Exposed	3:12	Low	Washers at 10–15 yrs	Cottage, farmhouse, simple gables
Corrugated	Exposed	3:12	Low	Washers at 10–15 yrs	Porches, outbuildings, accents
U-panel	Exposed	3:12	Low	Washers at 10–15 yrs	Garages, additions, workshops
R-panel / PBR	Exposed	¼:12 – 3:12	Low	Washers at 10–15 yrs	Commercial and agricultural

Factor	Asphalt Shingles	Standing Seam Metal	Exposed Fastener Metal
Performance
Expected lifespan (Jacksonville)	20–25 years	40–50 years	35–45 years
Wind resistance	130 mph (Duration / HDZ)	160+ mph	150+ mph
Fire rating	Class A	Class A	Class A
Heat	Absorbs; degrades over time	Reflects; cooler attic	Reflects; cooler attic
Salt air	Adequate with corrosion-resistant hardware	Excellent in aluminum	Good with proper hardware
Maintenance	Low	Very low	Moderate (washers at 10–15 yrs)
Insurance & cost
Insurance non-renewal risk	High at 15 years	Effectively eliminated	Effectively eliminated
Upfront cost (avg Jacksonville home)	$8,500–$25,000	$25,000–$60,000	$18,000–$40,000
Roofs needed over 50 years	2–3	1	1–2
Code & installation
FBC Wind Zone II compliant	✓	✓	✓
Florida Product Approval (FL number)	✓	✓ Provided with quote	✓ Provided with quote
Permit required	✓ Always	✓ Always	✓ Always

Factor	Galvalume Steel	Aluminum
Corrosion	Good; zinc/aluminum coating over steel	Nothing in it to rust
Substrate warranty	25–40 years, reduced or excluded near saltwater	Coverage doesn't shrink closer to the ocean
Thermal movement	Less; smooth pan is fine	About 2× steel; specify striated pan
Dent resistance	Better; harder material	Softer; more prone to hail dents
Standard gauge	24 ga (0.024") standing seam · 26 ga (0.018") exposed	0.040" standing seam · 0.032" exposed
Cost	Lower	Slightly higher
NEXGEN recommends for	Inland Duval, Clay, western St. Johns, most applications	Jax Beach, Atlantic Beach, Neptune Beach, Ponte Vedra, and Intracoastal-front homes from Palm Valley through Queen's Harbour

A person wearing gloves cutting a metal roofing sheet with red shears on a roof.

Construction worker using nail gun on roof decking with ropes and safety harness.

Aerial view of a residential neighborhood with a blue house featuring a white metal roof, fenced backyard, patio with outdoor furniture, and adjacent houses.

Aerial view of a residential property with a metal roof, driveway with a white car, neatly landscaped garden, and a backyard patio with outdoor furniture.

Aerial view of a suburban home with a metal roof, a driveway with a parked white car, a front yard with green grass and landscaping, and surrounding trees and neighboring houses.

Residential houses with metal and shingle roofs, surrounded by greenery and landscaping

Frequently Asked Questions — Metal Roofing in Jacksonville, FL

How long does a metal roof last in Jacksonville?

1

A properly installed metal roof in Jacksonville typically lasts 40 to 50 years. Standing seam systems with concealed fasteners tend to perform at the upper end of that range. Coastal properties with salt air exposure may see slightly shorter lifespans depending on material choice and maintenance — aluminum panels and corrosion-resistant hardware extend performance in high-salt-air environments.

Is metal roofing loud during rain?

2

No — not when properly installed over solid decking with synthetic underlayment. The combination of roof deck, high-temperature underlayment, and attic insulation absorbs sound effectively. A properly installed metal roof is no louder during rain than a shingle roof. The noise concern comes from metal installed over open framing (like barns or sheds) with no decking underneath — that's a fundamentally different installation.

Will a metal roof make my home hotter?

3

No. Metal roofs with reflective coatings actually perform better thermally than dark asphalt shingles. Metal reflects solar radiation rather than absorbing it. The surface temperature of a dark shingle roof in Jacksonville's summer sun can exceed 150°F — metal with a reflective coating runs significantly cooler. The real determinant of your home's cooling load is attic ventilation and insulation, not just the roof surface.

How much does a metal roof cost in Jacksonville?

4

Standing seam metal roofing in Jacksonville typically runs $25,000 to $60,000 for a full residential replacement depending on home size, roof complexity, and panel profile. Exposed fastener systems run somewhat less. See our Jacksonville Roof Cost Guide → for detailed pricing by home size. Financing is available → from 9.99% APR.

Can metal be installed over my existing shingles?

5

Florida Building Code allows metal roofing over one existing layer of shingles if the deck is structurally sound. However, NEXGEN recommends full tear-off on most jobs — it allows us to inspect the decking, replace any damaged boards, install proper underlayment directly to the deck, and ensure the installation meets the full system specification. We'll give you an honest recommendation after the inspection.

Does metal roofing affect my homeowner's insurance?

6

Yes — generally positively. Florida insurers can non-renew shingle roofs at 15 years, a pressure that metal effectively eliminates. Some carriers offer premium discounts for metal roofing. The specific impact depends on your insurer and policy — ask your agent directly before making a material decision based on potential discounts.

How does metal compare to shingles for a coastal property?

7

Metal generally outperforms shingles on coastal properties for lifespan and wind resistance, but the installation spec matters as much as the material. Aluminum panels are naturally corrosion-resistant and are often the better choice for oceanfront properties. Galvalume-coated steel performs well in moderate coastal exposure. Stainless or aluminum fasteners and flashings are required — standard galvanized hardware corrodes significantly faster in salt air environments. NEXGEN installs to coastal spec as standard on all properties within two miles of the ocean. For a detailed comparison by neighborhood, see our [shingles page →].