The Durability of Asphalt Shingles in Florida: New Study Highlights Concerns

A recent study has raised concerns about the effectiveness of asphalt shingles, Florida’s most common roofing material, in withstanding hurricane-force winds. According to Florida Office of Insurance Regulation Commissioner Michael Yaworsky, asphalt shingle roofs that are 10 years old or older struggle to endure winds exceeding 100 mph. This revelation has significant implications for millions of homeowners across the state.

Findings on Asphalt Shingles and Wind Resistance

Research conducted by the Insurance Institute for Business & Home Safety found that at wind speeds of 60 mph, there is a 1-in-12 chance of damage to a 10-year-old asphalt shingle roof. At 90 mph, the probability jumps to 25%, and at 100 mph, nearly all such roofs are expected to sustain damage. Given that 12 out of the 14 hurricanes to hit Florida in the past two decades reached Category 2 status or higher—meaning wind speeds ranged between 96 and 110 mph—many roofs may not provide sufficient protection.

The Longevity of Asphalt Shingles in Florida

Despite manufacturers and sales representatives marketing asphalt shingles as having a lifespan of 30 to 40 years, real-world experience in Florida suggests otherwise. Homeowners, like Sandy Molenda of Palm Beach County, have reported being required to replace roofs far earlier than expected. Molenda, who installed what was advertised as 45-year shingles, was forced to replace his roof after just 22 years to maintain his homeowner’s insurance.

Insurance and Regulatory Changes on the Horizon

Given the increasing evidence of asphalt shingles’ vulnerabilities, Commissioner Yaworsky has suggested it may be time to reconsider their widespread use in Florida. The state is actively exploring updates to insurance credits for homeowners who invest in more resilient roofing materials, such as metal or ceramic tiles. Currently, insurance credits do not distinguish between asphalt shingles and metal roofing, but that may change soon.

The Case for More Durable Roofing Materials

Experts have pointed out that metal roofing offers superior resistance not just against hurricanes, but also against other disasters such as wildfires. During the Chipola Complex fires in 2022, homes with asphalt shingle roofs were more likely to catch fire, while those with metal roofs provided firefighters additional time to respond.

With Florida’s history of severe storms and the rising frequency of extreme weather events, it is becoming increasingly evident that stronger, more resilient roofing materials are a wise investment for homeowners. As new building codes and insurance incentives are evaluated, the long-term benefits of durable roofing solutions may soon outweigh the initial cost savings of asphalt shingles.

This article is based on findings reported by the Palm Beach Post. You can read the original article here.