Roof replacement in Florida

We replace worn out and storm damaged roofs on homes and businesses across Florida, from the permit to the final county inspection. Tell us about your roof and a local inspector will call to set up a free visit and a written estimate.

Call (407) 677-7663

Our phones are answered 24/7, including during storms.

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Fill this out and a local inspector will call you to set up a free visit. It takes about a minute, and there is no obligation.

Step 1 of 3: Your roof

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Is it time?

Signs your Florida roof needs replacing

One of these on its own can sometimes be repaired. When several show up together, or the same problem keeps coming back, replacing the roof usually costs less than paying for repair after repair.

  • Your insurer is asking about itA renewal letter that asks for a roof inspection or a newer roof often arrives once a roof passes 15 years, and the answer decides whether you keep your policy.
  • Granules in the guttersWhen the gritty surface of the shingles washes into the gutters, the asphalt underneath bakes in the Florida sun and starts to crack and curl.
  • Leaks in different spotsA leak that moves around the house usually means the underlayment is failing across the roof, not in one place a patch can cover.
  • Cracked or slipped tiles in many areasTile lasts a long time, but the underlayment beneath it does not, and broken tiles let water reach it sooner.
  • Soft or sagging areasA deck that gives underfoot or dips between rafters has usually been wet for a while, and that wood has to be replaced before a new roof goes on.
  • Storm damage on several slopesWhen wind lifts shingles on more than one side of the house, the seal strips holding the rest in place are often broken too.
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Florida rules

What Florida law changes about replacing a roof

Replacing a roof in Florida comes with a few rules that most other states do not have. These are the ones homeowners ask us about most.

01

Permits and inspections

A full re-roof needs a building permit from your city or county. On single-family homes the code also calls for re-nailing the roof deck with ring-shank nails and adding a secondary water barrier, and the inspector checks the deck before the new roof goes on. We pull the permit and schedule every inspection.

Florida Building Code, Existing Building, 706.7
02

The 25 percent rule

Repairing 25 percent or more of a roof used to force a full replacement under the building code. Since a 2022 change, if your roof was built or replaced under the 2007 Florida Building Code or later, only the section being repaired has to meet the current code.

Florida Senate Bill 4-D, 2022
03

Roof age and your insurance

An insurer cannot refuse to issue or renew a homeowner's policy only because of roof age when the roof is less than 15 years old. For an older roof you can have it inspected, and if the inspection shows at least 5 more years of useful life, age alone cannot be the reason for refusal.

Section 627.7011, Florida Statutes
04

Deadlines for storm claims

When a storm damaged the roof, you have 1 year from the date of loss to report a new claim to your insurer and 18 months for a supplemental claim. Waiting past that can cost you the claim even when the damage is real.

Section 627.70132, Florida Statutes

This is general information about Florida rules, not legal advice. Your insurance agent can tell you how your policy applies, and your inspector can tell you how these rules affect your roof.

How it works

How a roof replacement works with us

This is the usual order of things, from the first visit to the final county inspection.

  1. Free inspection

    An inspector checks the roof and the attic and takes photos, so you see what we see.

  2. Written estimate

    You get a written price for each roof type that fits the house, so you can compare it with other quotes.

  3. Permit

    We apply for the permit with your city or county and schedule the work once it is approved.

  4. Tear-off and deck repair

    The old roof comes off down to the deck, rotted wood is replaced, the deck is re-nailed and the county inspects it.

  5. Water barrier and dry-in

    The underlayment, secondary water barrier and flashing go on, and the dry-in is inspected.

  6. The new roof

    The crew installs the new shingle, tile or metal roof along with the ridge, vents and trim.

  7. Final inspection and warranty

    After the final county inspection we clean up the property and register the manufacturer warranty that applies to your roof.

Start my replacement quote Replacing after a storm?

Materials

Roofing materials we install

The inspector will tell you which of these makes sense for your house and budget.

Aerial view of a shingle roof with ridge ventilation in Florida

Shingle

GAF Timberline architectural shingles, with GAF warranties we can register as a Master Elite contractor.

Shingle roofing
Copper colored metal roof on a Florida home, seen from above

Metal

Standing seam and metal shingle roofs, built to handle Florida heat and wind.

Metal roofing
Concrete tile roof installed by JA Edwards of America in Tampa

Tile

Concrete and clay tile roofs, installed new or repaired when tiles crack or slip.

Tile roofing
Aerial view of a white flat roof on a commercial building in Orlando

Flat

TPO, coatings and low-slope systems for commercial buildings and home additions.

Flat roofing

Cost

What a new roof costs in Florida

A single price per square foot does not fit every Florida house, because a handful of things move the number more than anything else. The free inspection ends with a written estimate that shows how each one applies to your roof.

As a GAF Master Elite contractor we can register the Golden Pledge warranty on qualifying Timberline systems, which adds workmanship coverage backed by GAF, non-prorated for 25 years on Timberline HDZ.

Get my written estimate Financing options

Size and pitch

A larger or steeper roof takes more material and more labor, and very steep roofs need extra safety setup.

The roof type

Shingle, tile and metal are priced very differently, and the estimate shows each option that fits the house.

What is under the old roof

Extra layers to tear off and rotted deck wood add cost, and rotted wood often only shows up once the old roof is off.

Florida code requirements

Re-nailing the deck, the secondary water barrier and the permit are part of a Florida re-roof, so they belong in the price from the start.

Customer stories

Hear it from the people under our roofs

01 / 05Curtis LeskanicWorld Series champion and homeowner
600+ ★★★★★Google reviews from homeowners around our Florida officesRead them on Google
All went as planned, expected, and most importantly, as promised!
Joe R., Google review
★★★★★
“Communication was consistent and prompt.”
Deborah C., Google review
★★★★★
“...made the whole process a lot easier than I expected.”
Patricia G., Google review
Book my free inspection

The inspection takes about 30 minutes and you keep the photo report, whether you hire us or not.

Credentials

Certified, licensed and easy to check

Each badge opens the issuer's own website, so you can confirm it yourself before anyone sets foot on your roof.

GAF Master Elite certified roofing contractor GAF Master EliteGAF's highest certification for residential roofers, and the one that lets us register the Golden Pledge warranty.Check it on gaf.com GAF President's Club 3-Star residential award 2026 President's Club 3‑StarA 2026 award from GAF for our residential roofing work, at the 3-Star level.Check it on gaf.com JA Edwards of America, Inc. BBB Business Review BBB A+ AccreditedAccredited by the Better Business Bureau with an A+ rating, and you can read our full BBB profile.Check it on bbb.org
Google Guaranteed roofing contractor badgeGoogle GuaranteedVerify Florida Certified General Contractor CGC1534283FL license CGC1534283Verify Expertise.com Top Roofing in Winter Park 2026Expertise.com 2026Verify Greater Orlando Builders Association memberGOBA memberVerify Chamber of Commerce verified roofing contractor badgeChamber of CommerceVerify Oviedo-Winter Springs Regional Chamber of Commerce memberOviedo-Winter Springs ChamberVerify

Before and after

The same Orlando roof, before and after

Drag the yellow circle left and right to compare the same roof before and after our crew replaced it.

Get a free replacement quote See more projects
Orlando home with a worn, stained shingle roof before replacement The same Orlando home after JA Edwards of America installed a new shingle roof BeforeAfter

Local offices

Roof replacement near you

Each office handles the replacements in the region around it, and we take jobs anywhere in Florida. If your town is not listed, call (407) 677-7663 and we will tell you which office covers it.

Central FloridaOrlando(407) 677-7663Roof replacement in Orlando Tampa BayTampa(727) 953-3181Roof replacement in Tampa Northeast FloridaJacksonville(904) 367-2913Roof replacement in Jacksonville Treasure CoastPort St. Lucie(772) 204-2452Roof replacement in Port St. Lucie PanhandlePensacola(850) 741-7564Roofing in Pensacola

FAQ

Roof replacement questions, answered

How much does a new roof cost in Florida?
It depends on the size and pitch of the roof, the roof type, how many old layers have to come off, how much deck wood needs replacing and the permit and code work your city or county requires. The free inspection ends with a written estimate for each roof type that fits your house, and financing is available.
How long does a roof last in Florida?
It depends on the material, the attic ventilation, how well it was installed and how many storms it has been through. Sun and heat wear out shingles sooner than tile or metal. The inspection gives you an honest read on how much life your roof has left, which also matters for your insurance once the roof passes 15 years.
How old can a roof be for insurance in Florida?
Under section 627.7011 of the Florida Statutes, an insurer cannot refuse to issue or renew a homeowner's policy only because of roof age when the roof is less than 15 years old. For a roof 15 years or older, you can have it inspected, and if it has at least 5 years of useful life left, age alone cannot be the reason for refusal. Your agent can tell you what else your insurer looks at.
Does Florida still have the 25 percent roof rule?
It changed in 2022. If your roof was built or replaced under the 2007 Florida Building Code or later, repairing 25 percent or more of it no longer forces a full replacement, and only the repaired section has to meet the current code. Older roofs can still fall under the original rule.
Do I need a permit to replace my roof in Florida?
Yes. A re-roof needs a building permit from your city or county, and the inspector checks the work at set stages, including the deck before the new roof goes on. We pull the permit and schedule those inspections.
Will my insurance pay for a roof replacement?
It can when the damage comes from a covered event like a windstorm or hail, but policies generally do not pay for wear and age. Florida gives you 1 year from the date of loss to report a new claim. Our storm damage repair page explains how we document the damage and meet your adjuster.
How long does a roof replacement take?
Your project manager gives you the schedule before work starts. The roof work itself is usually measured in days, while permit approval and inspection dates depend on your city or county, and tile and larger roofs take longer than shingle.
Can I finance a new roof?
Yes. Financing is available through third-party lenders, including Slice by FNBO, and some of them let you prequalify with a soft credit check. See our financing page or ask your inspector during the visit.
What warranty comes with a new roof?
It depends on the roof system. As a GAF Master Elite contractor we can register GAF's Golden Pledge warranty on qualifying Timberline shingle systems, which includes workmanship coverage backed by GAF. Your inspector will explain which warranty applies to your roof.
Do you replace roofs outside the cities where you have offices?
Yes. We have offices in Orlando, Tampa, Jacksonville, Port St. Lucie and Pensacola, and we take roof replacements anywhere in Florida.

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