Metal is the long-horizon choice in Florida. Installed correctly, a standing seam roof outlasts two or three shingle roofs, sheds wind-driven rain better and holds up to salt air far longer than exposed-fastener alternatives.
Panel gauge, fastener and clip specification, underlayment, and the flashing details at valleys, hips and penetrations. A cheap metal install fails at the details long before the panel fails.
Over solid decking and underlayment, no — the difference inside the house is minimal.
Standing seam systems commonly outlast shingle by a wide margin when installed to specification and maintained.
Some carriers view wind-rated systems favorably, but rating decisions belong to the carrier. Ask your agent about your specific policy.
O'Brien Contracting — Florida roofing contractor, license CCC1335947. Call (239) 919-4485.