Tampa Bay roofing was transformed by Hurricane Helene (2024) and prior storms including Ian (2022) which tracked through this region. Insurance requirements are strict and tightening — many Hillsborough and Pinellas homeowners face coverage non-renewal if their roof exceeds 15 years. Concrete tile and metal are the premium options; asphalt architectural shingles meet code but require Class 4 impact rating in most underwriting guidelines. TECO and Duke territory requires utility coordination for solar-ready roofing.