Roofing Blog

Many Florida homeowners wonder whether their HOA can prohibit installing a metal roof. Here's what you should know. Florida Law Favors Metal Roofs as Hurricane Protection Under Florida House Bill 293, enacted May 28, 2024, HOAs cannot deny installation of “hurricane protection” improvements—such as metal roofs—as long as they conform to the association’s adopted specifications and applicable building codes. In other words, if a metal roof meets wind‑resistance and installation standards, HOAs can enforce aesthetic guidelines but cannot impose a flat ban simply because they don’t like the material. HOAs Can Still Regulate Design—but Not Function HOAs derive their power from governing documents like CC&Rs, bylaws, and architectural guidelines. They can enforce rules on colors, finishes, and roof style for harmony—but Florida law now prevents them from rejecting metal roofs solely on aesthetic grounds, provided the roof qualifies as a hurricane protection product. How Homeowners Can Protect Themselves and Fight Back Know your CC&Rs and HOA architectural guidelines. Note any roofing restrictions or approval processes. Frame your request properly. Submit a formal application showing metal roofing product specifications, color samples matching community standards, wind ratings, hail resistance—demonstrating compliance with building codes and HOA aesthetic criteria. Cite HB 293 as legal backing. Remind the HOA that they can't deny hurricane protection improvements such as compliant metal roofs. Offer examples and precedent. Show photos of metal-roof homes in your community or nearby HOA neighborhoods. Request the HOA appeal/dispute process. Florida law requires HOAs to provide a written appeal and hearing process if your request is denied. Engage other homeowners if needed. If the governing documents are outdated, you can start a petition, propose amendments, and gain majority support to update the rules. Seek legal advice as a last resort. If the HOA refuses to comply, consulting a Florida attorney knowledgeable in HOA and property law may be necessary. Why Consider a Metal Roof in Fort Lauderdale Durability & Storm Resistance Metal roofs last 40–70 years, far longer than asphalt shingles. They are engineered to withstand winds of 120–150+ mph, hail, fire, and intense Florida sun. Energy and Insurance Savings Reflective metal roofs can reduce cooling costs by 10–25%. Many insurance companies offer premium discounts due to their superior resistance to storm damage. Environmental Benefits Metal roofs are made from recycled materials and are fully recyclable at the end of their lifespan, reducing landfill waste. Low Maintenance & Aesthetic Options Modern stone-coated metal roofing can mimic traditional materials like tile, wood shake, or slate—while requiring far less maintenance. Summary HOA Can’t Ban Florida law (HB 293) prohibits outright bans on metal roofs that meet building code and post-hurricane RES standards. HOA Can Regulate Color, finish, panel style—but not functional bans on compliant metal products. Your Strategy Review CC&Rs, gather specs, cite law, submit professionally, use appeal process, involve neighbors. Benefits Lifespan up to 70 years; energy & insurance savings; storm resilience; eco-friendly; modern aesthetics. Why All Weather Tite Roofing Recommends Metal Roofs for HOA Homes At All Weather Tite Roofing in Fort Lauderdale, we’ve helped many HOA‑governed homeowners secure approvals for high‑quality metal roofs. We assist with product selection (e.g. standing seam or stone‑coated profiles in HOA‑friendly finishes), provide wind‑rated specifications, and prepare documentation that aligns with HB 293 guidelines. We work with HOAs and support clients through appeals when needed. If you’re considering a metal roof and need help navigating HOA rules or want accurate wind‑rated and aesthetic options, reach out. We’ll guide you through the process—from paperwork to final installation. Final Thoughts Florida’s House Bill 293 gives homeowners significant leverage. While HOAs may still require design compliance, they cannot refuse a metal roof that meets hurricane-protection standards. With proper planning, documentation, and approach, homeowners can secure both approval and the long-term benefits of a metal roof.  Have HOA concerns or need help preparing your submission package? All Weather Tite Roofing is here to assist!