We have an flat roof, tar and gravel roof in Daytona Beach, Fla., and I am considering alternative solutions for roofing that would last longer than the roof we have. Should I consider a membrane roof, or building a metal roofing system, as their is little insulation in this old Florida home above the ceiling. This family home for 62 years, also has oak hardwood floors which are not insulated and my power bills are well above the normal for florida. A new heat pump system in the future might help that somewhat, but with over 40, window crank wooden windows, 3 or 4 payne windows, I am looking for solutions to keep my home in the family for a 3rd or 4th generation a block from the beach. Thanks for any ideas.