Florida Roof Guides
What Florida homeowners need to know before replacing a roof: insurance rules, inspections, building code, costs for special roofs, and ways to pay, each cited to the statute or source.
Insurance and inspections
Will insurance pay for a new roof?
What policies usually cover, the 1-year claim deadline, insurer response times, roof deductibles, rules roofers must follow, and free state mediation.
Roof age and insurance
Florida's 15-year roof rule: when an insurer can and can't drop you over roof age, and who can inspect an older roof.
4-point inspections
What a 4-point inspection covers, when insurers like Citizens require one, and what it means for your roof.
Wind mitigation discounts
How wind mitigation discounts work, what the inspection form documents, who can sign it, and why a new roof is the time to get one.
Costs and building rules
Roof cost calculator
A price range for your own roof from home size, pitch, material, and roof shape, based on published Florida prices.
Roof replacement cost in Florida
Statewide prices by material, how the cities compare, and the state rules that change a roofing bill.
The 25% roof rule
When a repair forces a full replacement, the exception for newer roofs, and what it means for a repair quote.
Flat roof costs
TPO, EPDM, PVC, modified bitumen, and built-up roofs: Florida prices per sq ft, tear-off costs, and lifespan.
Mobile home roofs
Single-wide and double-wide roof prices, roof-over versus tear-off, HUD wind zones, and Florida's repair rules.
Paying for a roof
How to pay for a new roof
Insurance for storm damage, grants and city programs, PACE on your tax bill, FHA Title I loans, home equity, and contractor financing.