Especially in Florida many insurers offer discounts for metal roofing; sometimes connected with wind performance rating. Since programs will vary by insurer and location, check with your local agent.

Metal panels (particularly lighter colored paint coatings) will reflect and emit heat away, While asphalt shingles absorb and retain heat from the sun.
Although individual results may vary, several studies by the Florida Solar Energy Center indicate a reduction in cooling costs between 10 and 25%

While a shingle roof generally has a lower installed cost than a metal roof, this is really only a low “initial cost.” When considered over the life of the structure, metal roofing will often prove to be the better option. Durability alone makes this argument: if a shingle roof has to be replaced in 15-20 years while a metal roof can stand strong for 30-40+ years (some ongoing studies indicate 60 year + life spans), you will have to buy two shingle roofs instead of one metal roof.

Of course no roof can completely withstand all the force of nature. However, studies and damage reports conducted by/for FEMA, NHC/NOAA and FBC over the years consistently indicate that shingle damage from hurricanes is fairly common, while metal roofs tend to perform very well.