Florida’s new House Bill 293 (HB293) has reshaped the balance of power between Homeowners Associations (HOAs) and property owners—especially those with tile roofs. This legislation empowers homeowners to make smarter, more durable roofing choices without sacrificing their community’s visual appeal. Homeowners in communities once restricted by rigid HOA standards now have the legal right to replace tile roofs with metal roofs that maintain a similar look and feel. Companies like Steadfast Roofing, based in Riverview, FL, are already leading this transformation by helping residents upgrade to high-performance metal roofing systems that mirror traditional tile aesthetics while offering far superior longevity and resilience.
HB293: A Game-Changer for Florida Homeowners
Signed into law in 2024, HB293 ensures that HOAs cannot prohibit homeowners from installing metal roofs as long as the new material presents the same appearance as the existing or approved roofing type. This landmark policy change removes decades-old barriers that forced homeowners to replace old tiles with similar costly and fragile materials, even when better options existed.
Under HB293, homeowners can now enjoy the structural advantages of metal roofs—such as energy efficiency, hurricane resistance, and minimal maintenance—without facing HOA opposition. The bill’s intent is simple: empower property owners to make resilient, cost-effective, and sustainable home improvements while preserving neighborhood uniformity.
The Legal Foundation of HB293
HB293 amends Florida Statute §720.3045, focusing on the balance between individual property rights and community architectural standards. The key provision clearly states that:
“A homeowners’ association may not prohibit a property owner from installing a metal roof that resembles the style and color of permitted roofing materials.”
This means that as long as your metal roof resembles the design and color of your community’s tile roofs, your HOA cannot deny approval. The law overrides restrictive covenants or outdated design guidelines that previously prevented modern roofing solutions from being used.
Why Homeowners Are Switching from Tile to Metal
1. Durability in Florida’s Climate
Metal roofs outperform traditional clay or concrete tiles in wind, rain, and hurricane resistance. Tile roofs can crack under pressure or impact, while metal systems are engineered to withstand gusts exceeding 140 mph, meeting stringent Florida Building Code requirements.
2. Energy Efficiency and Reflectivity
Modern metal roofing systems reflect solar heat instead of absorbing it. This reduces cooling costs by up to 25% during Florida’s intense summer months—something tile roofs can’t match.
3. Longevity and Maintenance
Tile roofs typically last 20–30 years, whereas metal roofs can last over 50 years with minimal maintenance. They resist mold, mildew, and salt corrosion, making them ideal for coastal regions like Tampa Bay, Riverview, and Apollo Beach.
4. Aesthetic Versatility
Manufacturers now design metal roofing panels that replicate the look of barrel tiles, slate, or wood shakes, allowing homeowners to preserve their neighborhood’s Mediterranean or Spanish-style appearance. The texture, color, and contour of these metal alternatives are nearly indistinguishable from traditional tile—satisfying even the strictest HOA design standards.
How HOAs Must Adapt Under HB293
With HB293 in effect, HOAs must review and update their architectural guidelines to align with the new statute. They can no longer issue blanket bans on metal roofing, but may still require homeowners to submit design plans, ensuring the new roof maintains the community’s aesthetic integrity.
If an HOA denies a compliant request, the homeowner now has legal grounds to challenge the decision, as HB293 explicitly protects this right. Homeowners should keep records of all communications and approvals to ensure compliance and avoid potential disputes.
Choosing the Right Metal Roof for Tile Replacement
Homeowners should work with licensed roofing contractors experienced in HOA-compliant installations. Selecting a metal roof that mirrors the texture, color, and shape of existing tile designs is essential.
Common aesthetic options include:
- Barrel tile-style metal panels – mimic clay tiles while offering superior strength.
- Stone-coated steel roofing – combines metal durability with a traditional textured finish.
- Standing seam metal roofs in tile-inspired tones like terracotta, sandstone, or copper.
Professional contractors can also provide documentation and design renderings to streamline HOA approval under HB293’s provisions.
Economic and Environmental Benefits
Transitioning from tile to metal roofs is not just a matter of compliance—it’s a strategic investment. Metal roofs offer:
- Higher resale value, as prospective buyers recognize their long-term cost savings.
- Reduced insurance premiums, thanks to improved wind and fire ratings.
- Sustainability, since most metal roofing systems are made from recycled materials and are fully recyclable at the end of their life cycle.
By choosing metal roofing, homeowners are embracing eco-friendly construction practices aligned with Florida’s growing focus on resilience and sustainability.
Practical Steps for Homeowners
- Review HOA Guidelines – Identify any existing restrictions and confirm they comply with HB293.
- Select a Licensed Contractor – Work with experienced professionals familiar with Florida’s roofing codes.
- Submit Design Plans – Ensure visual consistency with neighboring homes.
- Document HOA Responses – Keep written confirmation of compliance with HB293.
- Schedule Installation – Opt for energy-efficient, hurricane-rated metal systems.
CONCLUSION
Florida’s HB293 gives homeowners the freedom to replace outdated tile roofs with modern, metal alternatives—combining strength, style, and sustainability. This legislation ensures that HOAs cannot impose unnecessary restrictions when homeowners choose materials that maintain their community’s visual harmony. With professional guidance from trusted local experts like Steadfast Roofing in Riverview, FL, property owners can now confidently invest in durable, HOA-compliant metal roofing that enhances both property value and peace of mind.
Read one of our latest blogs: “What First-Time Residential Property Owners Must Know About Hurricane Season in Tampa Bay”.
