Standard 30-year architectural asphalt shingles in Jacksonville's climate realistically last 18–22 years before they fail. The combination of UV exposure and tropical moisture cuts manufacturer ratings by 30–40%.
Standing-seam metal in the same climate genuinely lasts 40+ years and qualifies for additional wind-mitigation insurance credits in Duval County. The cost difference: roughly $14,500 for asphalt vs $26,000 for metal on a 2,000 sq ft Jacksonville roof.
If you plan to stay in the home 12+ years, metal wins on total cost. If you're planning to sell within 5 years, asphalt is fine — buyers don't pay a meaningful premium for new metal.
All roofing pros on HandyMandyMan in Florida are verified against the DBPR roofing license database. Roofing without a license is illegal in Florida regardless of project size.