Florida roofing guides

Before you sign anything

Who you hire and what the county demands decide most of the bill.

• How to choose a Florida roofer
  Check the DBPR license, the insurance certificate, and the contract clauses that cost people money.
• Roof permits, county by county
  What Lee, Miami-Dade, Marion, and St. Lucie counties require, and what a permit adds to the job.
• Miami-Dade NOA and the HVHZ code
  Florida’s strictest wind rules, and why every component needs its own product approval.

Insurance

A Florida roof is an insurance document as much as a building part.

• The 25% roof rule
  When a repair turns into a mandatory full replacement, and what SB 4-D changed.
• Filing a roof insurance claim
  The 1-year and 18-month deadlines, and the paperwork that decides whether you get paid.
• New-roof insurance discounts
  How much a new roof cuts a windstorm premium, and which features carry the credit.
• Wind mitigation inspection
  What form OIR-B1-1802 asks, what inspectors look for, and what each answer is worth.

Materials and weather

What you put up there, and how long it survives a Florida summer.

• Tile vs shingle vs metal
  Price per square foot, lifespan, and how each material behaves in a hurricane.
• Roof lifespan by material
  How long each roof actually lasts here, and when a repair stops being worth it.
• Hurricane season roof prep
  A checklist for before the storm, and what to document the moment it passes.

Florida Roof Cost is an independent guide, not a roofing contractor. Nothing here is legal, insurance, or pricing advice; rules and prices change, so confirm current figures with a licensed contractor and your insurer.