To reduce energy consumption for artificial climate control in buildings, especially in regions with significant seasonal temperature variations, materials with optical properties that adapt to temperature changes are beneficial. This study investigates microencapsulated organic dye thermochromic pigment coatings for roofing, prepared with SiO2 and TiO2 for improved long-term performance. These coatings were applied to clay-based ceramic and fiber cement tiles. Accelerated aging tests according to ASTM D7897–23 evaluated the long-term performance of the coatings, with solar absorptance measured using a spectrophotometer according to ASTM E903–20 and ASTM G173–23. Data from these tests were incorporated into EnergyPlus simulations to evaluate the impact of the coatings on a one-story social housing model in Manaus and Curitiba under future climate conditions (2050), compared to white and reference samples. White roof tiles outperformed thermochromic tiles in Manaus, where heating is unnecessary. Despite the need for heating in Curitiba, white tiles were also the most efficient passive strategy for reducing total artificial air-conditioning loads, even with a greater winter penalty than thermochromic tiles. The study demonstrates the potential of thermochromic materials for energy savings, particularly in climates with greater seasonal variations. It also highlights challenges related to their long-term stability and UV degradation.