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Yes, shingles should overhang the drip edge, typically between 1/2-inch and 3/4-inch. An overhang shorter than 1/2-inch can allow wind-driven rain to get under the shingles and damage the roof deck or fascia. Conversely, an overhang longer than 3/4-inch increases the risk of shingles getting caught by strong winds, which can lead to roof uplift. Always check your local building code for exact overhang requirements in your area.

The lifespan of a torch down roof depends on the number of layers installed. A single-ply system typically lasts between 10 and 15 years, while a multi-layer system with two or three layers can last from 15 to 25 years. Although a multi-layer option may be more expensive upfront, it provides a longer service life. Warranties often reflect this, with about 12 years for a one-ply system and 15 years for a two-ply system. For context, this lifespan is shorter than other common roofing materials like wood or asphalt shingles, which typically last 20 to 30 years, with high-quality versions lasting up to 50 years.

While there are many benefits to installing a metal roof on your home, there are some downsides, too. Zinc roofs, in particular, are susceptible to corrosion from overly salty air directly near coastal areas. Another potential downside of zinc roofing is that it must be allowed to expand and contract with the weather. This means special attention is necessary to how it's fastened to the home to avoid issues. 

The warranty for algae-resistant shingles varies by manufacturer, but the industry standard is 25 years for overall shingle durability and lifespan and between 10 and 15 years for algae resistance. Some products come with longer warranties for discoloration of up to 30 years. Check warranty coverage for the shingle and algae protection before deciding on a roofing product.