Reducing reliance on active climate control through mechanical systems is essential to mitigating climate change. Thermochromic materials, which adjust solar absorptance based on surface temperature, are a promising solution for climates with significant seasonal variations. This study developed thermochromic coatings based on SiO2 and TiO2 matrices, featuring a protective layer of photocatalytic P25 titanium dioxide to enhance resistance to photodegradation. Applied to ceramic roof tiles, the coatings were subjected to accelerated aging tests according to ASTM D7897-23 and characterized for their solar reflectance according to ASTM E903-20 and ASTM G173-23. The results were incorporated into EnergyPlus simulations to evaluate the impact of the coatings on an office building model in Madrid, Budapest, and Oslo, representing different climate zones. The results showed that accelerated aging reduced the contrast between the two-color phases of the thermochromic pigments, affecting energy performance. Whereas white pigments consistently exhibited the lowest energy consumption across all climate zones, thermochromic pigments showed adaptive potential, particularly when their transition temperature and color phase contrast were optimized. Lowering the transition temperature and increasing the color contrast significantly reduced energy consumption and outperformed white pigments in Budapest and Oslo. The study suggests that selecting the appropriate transition temperature and increasing color phase contrast could improve energy efficiency, especially in climates with seasonal variations. Future research should focus on enhancing these properties and increasing the durability of thermochromic pigments to maximize their potential for use in energy-efficient buildings.