Roofing Systems
Proven value. Code-plus performance.
TAMKO architectural shingles, the most insured roof in Florida.
130 mph HVHZ warranty · Class 3 impact option · lowest installed cost
At a glance
Architectural shingles are the most installed and most insured roof in Florida, and modern dimensional shingles clear HVHZ code without stretching the budget. We install TAMKO Heritage and the impact-rated Titan XT line, both Miami-Dade NOA approved. The dollars you save versus metal or tile often move the insurance needle further when spent on impact windows or a higher-SEER AC.
- Wind rating
- 130 mph HVHZ warranty with 6-nail enhanced application
- Impact
- TAMKO Titan XT, UL 2218 Class 3
- Lifespan
- 20 to 25 years realistic in SW Florida
- Warranty
- Lifetime limited to original owner, 15-year algae resistance
- Colors
- 20+ across the TAMKO palette
- Cost
- Lowest installed cost, 40 to 60% less per square than metal or tile
Why this roof
The performance and code-backed reasons it earns its place in Southwest Florida.
HVHZ wind rating
TAMKO Heritage carries a 130 mph wind warranty with enhanced-application nailing (6-nail pattern) and is Miami-Dade NOA approved for HVHZ counties.
Wind-mitigation credits
Qualifies for full OIR Form 1802 roof-covering credit when installed to FBC-HVHZ standards, stacking with secondary water resistance and roof-to-wall credits for meaningful premium reductions on Citizens and private carriers.
Class 3 impact option
TAMKO Titan XT carries a UL 2218 Class 3 impact rating, which unlocks additional impact-resistant roofing discounts from several Florida carriers.
Fast repair after storms
Individual shingles can be replaced in hours, not days. Materials stock at every Southwest Florida supply house, so post-hurricane repairs do not wait on 8-week metal coil lead times.
Lowest installed cost
Typically 40 to 60 percent less per square than metal or tile, freeing budget for impact windows, a higher-SEER AC, or solar, all of which move the insurance needle further than the roof alone.
Lifetime limited warranty
TAMKO Heritage carries a lifetime limited warranty to the original owner with 15-year algae resistance. Realistic service life of 20 to 25 years in Southwest Florida UV and salt exposure.
Best for
- Budget-conscious builds where dollars are better spent on impact windows, spray foam, or a higher-SEER HVAC.
- Neighborhoods without HOA tile or metal mandates, where resale comps are also shingle.
- Homeowners who plan to sell within 10 to 15 years and want the lowest cost-per-year while still earning wind-mitigation credits.
Things to know
- •Shortest service life of the four options: plan on a re-roof every 20 to 25 years in Fort Myers, Cape Coral, and Naples versus 40+ for metal or tile.
- •Granule loss accelerates under intense UV. Expect visible weathering by year 15, particularly on south and west exposures.
- •Not permitted or heavily restricted in some Naples and Marco Island HOAs that require tile or metal profiles.
TAMKO color palette
TAMKO Heritage & Titan XT
20+ colors. The Titan XT line adds a UL 2218 Class 3 impact rating for additional insurance credit.
How PrimeBid installs it
Specified by engineers. Installed by specialists.
Your roof protects everything beneath it. We do not cut corners on materials or installation.
Material selection
Choose the roof for your priorities. We confirm it meets code for your location and HOA.
Structural verification
Engineering confirms your structure can carry the selected roofing system.
Enhanced underlayment
A self-adhering, code-plus underlayment system installed per Florida Building Code.
Certified installation
Manufacturer-trained crews install to specification so the warranty stays valid.
Documentation & warranty
Complete permit closeout and warranty registration for your records.
FL-Approved
Products approved for your wind zone
Manufacturer-Trained
Certified installation crews
Enhanced Underlayment
Exceeds minimum code requirements
Registered Warranty
Documented at completion
Common questions
Are shingles strong enough for a Florida hurricane?
Installed to current Florida Building Code with the 6-nail enhanced pattern, TAMKO Heritage carries a 130 mph wind warranty and Miami-Dade NOA approval for HVHZ counties. A well-installed shingle roof beats a poorly installed metal roof. The Titan XT line adds Class 3 impact resistance on top of that.
Heritage or Titan XT, what is the difference?
They share the same look and color palette. Titan XT adds a UL 2218 Class 3 impact rating, which several Florida carriers reward with an additional impact-resistant roofing discount. We compare the upcharge against your specific insurance savings before recommending it.
How long will a shingle roof last here?
Realistically 20 to 25 years in Southwest Florida UV and salt exposure, versus the 40+ years you get from metal or tile. The tradeoff is upfront cost: shingles run 40 to 60 percent less per square, which is budget you can redirect to impact windows or a higher-SEER AC.
Will my HOA allow shingles?
Many neighborhoods do, but some luxury HOAs in Naples, Marco Island, and Estero require tile or metal profiles. We check your HOA's roofing requirements during design so there are no surprises at approval.
Ready to price a shingle roof?
We will confirm the tier, color, and impact rating for your home, then put real numbers next to it.
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