What to Know About Different Types of Metal Roofs
Metal roofing has gained popularity across Florida thanks to its strength, longevity, and ability to handle tough weather. In Pensacola and nearby coastal areas, more homeowners are turning to metal as a smart long-term investment, especially as asphalt shingles wear out faster under intense sun and storms.
But not all metal roofs are the same. There are several types of materials and panel styles, each with its own pros and cons.
If you’re buying, selling, or maintaining a home with metal roofing, it helps to understand what you’re looking at and what an inspector will look for, too.
Common Metal Roof Types
Metal roofs can be broken into two main categories: panel style and material type. The panel style refers to how the metal is shaped and installed. The material is what the panels are actually made from.
Let’s walk through the most common combinations you’ll see on homes in the Pensacola area.
Standing Seam Metal Roofing
This type of roof uses long, flat panels that run vertically from the ridge to the eaves. The seams between each panel are raised and folded over each other, hiding the fasteners and locking them into place. This creates a watertight seal and a clean, modern look.
Why homeowners like it:
Sleek, uniform appearance
Fasteners are protected, reducing leaks
Performs well in high winds
Often lasts 40 to 70 years
What to watch for:
More expensive than other metal types
Requires a trained installer
Poor seam connections can lead to leaks or wind uplift
In inspections, we often look closely at the seam connections and flashing. If the installation wasn’t done properly, water can still find its way in, even if the panels look solid from the ground.
Corrugated Metal Panels
These panels have a wavy or ribbed pattern and are typically installed with visible screws that run through the face of the panel. It’s one of the oldest and most affordable metal roofing styles and is still commonly used on residential properties, especially sheds, garages, or budget-conscious homes.
Pros:
Affordable and quick to install
Strong and lightweight
Effective at shedding water
Cons:
Exposed fasteners are a weak point
Screws may loosen over time
Less attractive for high-end homes
We often see early signs of wear on corrugated roofs at the fastener points. Loose screws, missing rubber washers, or rust buildup can shorten the lifespan if not addressed.
Metal Shingles or Tiles
These are made to mimic the look of traditional asphalt shingles, wood shakes, or clay tiles. Instead of large sheets or panels, they come in smaller pieces and are usually interlocked to form a weather-tight layer.
Benefits:
Higher curb appeal for certain home styles
Fire and wind resistant
Durable with a long service life
Things to consider:
More labor-intensive to install
Damage to one shingle can be hard to fix
May cost more than standing seam or corrugated metal
When we inspect homes with metal shingles, we pay close attention to the alignment, any lifting at the edges, and signs of corrosion or loose sections. These systems can be very effective, but only when installed with precision.
Roofing Materials
Steel, Galvalume, and Aluminum
Aside from the shape of the metal, the actual material also affects durability, appearance, and performance in Florida’s humid, salty environment.
Galvalume steel:
This is steel coated with aluminum and zinc to help resist corrosion. It’s common in Florida because it handles moisture well and is generally more affordable than pure aluminum.
Aluminum:
Naturally rust-resistant and lightweight, aluminum is one of the best choices for coastal homes where salty air can be tough on metal.
Steel (non-Galvalume):
While strong, plain steel is more prone to rust and often not the best long-term option in a coastal zone unless it’s heavily coated or painted.
What a Home Inspector Looks for
Even the best materials can fail if installed poorly. That’s why we go beyond surface appearance during a roof inspection.
We check for:
Loose or missing fasteners
Rust or corrosion at seams, valleys, and edges
Gaps around flashing or penetrations like chimneys and skylights
Uneven panels or poor alignment
Signs of water intrusion in the attic or underlayment
Many metal roofs look fine from the street but reveal serious issues up close. A home inspection can help you avoid surprise repair costs, especially before buying a home.
Why Installation Matters More Than Material
A top-quality standing seam roof will still leak if flashing is missing or improperly installed. On the other hand, even a lower-cost corrugated system can perform well if it’s put in correctly and maintained.
We regularly inspect metal roofs where the material itself isn’t the issue. It’s the details around edges, transitions, fasteners, and ventilation that make or break the system.
Related Questions About Metal Roofs
Are metal roofs noisy when it rains?
Modern metal roofs installed over underlayment and attic space are not much louder than shingles. Any noise can be reduced further with insulation.
How long does a metal roof last in Florida?
Many last 40 to 70 years with good installation and routine maintenance. Coastal conditions can shorten lifespan slightly, depending on the material.
Can a metal roof improve energy efficiency?
Yes. Metal reflects sunlight, which can help reduce heat gain and lower cooling costs, especially in hot climates like Pensacola.
Is it safe to walk on a metal roof?
It depends on the type of metal and how it’s installed. Some panels can dent or loosen if walked on improperly. It’s best to call a professional if inspection or maintenance is needed.
When to Schedule an Inspection
If your home has a metal roof, or you're buying one that does, regular inspections are the best way to extend its life. You should call for an inspection if:
Your roof is more than 10 years old and hasn’t been checked
You see rust spots, missing screws, or lifted seams
A recent storm brought strong winds or debris
You’re unsure what type of roof you have or when it was last maintained
We inspect metal roofs on homes of all ages and sizes, and we know what matters most in Florida’s climate. From installation quality to signs of wear, we’ll give you a clear picture of what you’re working with.
Conclusion
Different types of metal roofs offer different benefits, but they all share one thing in common. They need proper installation and regular maintenance to last.
Whether you’re dealing with standing seam panels, corrugated sheets, or shingle-style metal, a thorough inspection can help you catch small problems early and protect your investment.
At Taylor-Made Home Inspection, we know metal roofing from both a homeowner and inspector’s perspective. We’re here to help you understand what’s overhead, what needs attention, and how to move forward with confidence.
