Both are premium, long-life roofs. The right one often depends on your home's architecture and HOA.
| Standing-seam metal | Concrete tile | |
|---|---|---|
| Typical cost (2,000 sq ft) | $21,400–$35,000 | $26,800–$43,000 |
| Lifespan | 40–60 years | 50+ years (underlayment ~20–25) |
| Weight | Light | Heavy; structure must support it |
| Hurricane risk | Best uplift resistance | Good uplift; debris can crack tiles |
| Workmanship warranty (Matata) | 10 years | 10 years |
| Style | Modern, coastal, farmhouse | Mediterranean, Spanish, HOA-required |
Metal for the best wind performance and lighter structure. Tile when the architecture or HOA calls for it — and plan for underlayment renewal around year 20–25.
Usually yes, subject to HOA approval. Metal is lighter, so structure is rarely an issue.
Often. A lift-and-re-lay replaces only the underlayment and saves $10,000–$20,000 versus full tile replacement.