Home Services
Hiring a Roofer in Florida
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
A new roof costs about $9,609 on average nationwide. In Florida, roofers must be licensed by the state. Roofers can't offer gifts or waive deductibles to get you to file a claim.
Your roof's age can also affect your home insurance. That makes the roofer you pick, and the roof you get, extra important.
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Florida roofing laws to know
- Roofers must be licensed. Florida's Department of Business and Professional Regulation (DBPR) issues roofing licenses. Look up any roofer at MyFloridaLicense.com before you hire.
- No claim bait. Roofers can't offer rebates, gift cards, cash, or a waived deductible in exchange for a roof inspection or an insurance claim.
- Roofers can't handle your claim. A roofer can't explain your policy to you or adjust your claim unless they're also a licensed public adjuster.
- Your right to void a contract. Roofing contracts must include a notice about these rules. If it's missing, you can void the contract within 10 days of signing.
- Fines are steep. Breaking these rules can bring fines of up to $10,000 per violation.
Canceling a roofing contract after a hurricane
Florida gives you extra time to back out after a disaster. If you sign a roof repair or replacement contract within 180 days of a storm that led the Governor to declare a state of emergency, you can cancel it without penalty.
You have 10 days after you sign, or until the official start date, whichever comes first. Cancel in writing and keep a copy.
Florida roof rules that affect insurance
- The 25% rule changed. The old rule said that if more than 25% of a roof needed repair, the whole roof had to be brought up to code. Now, if your roof was built to the 2007 Florida Building Code or later, a repair only needs to bring the repaired part up to code.
- Roof age protection. Insurers can't refuse or drop your policy just because your roof is under 15 years old. If it's 15 or older, you can get an inspection first. If it shows at least 5 years of life left, the insurer can't refuse you over age alone.
Learn more about coverage on Florida homeowners insurance.
What to check before you hire
- An active Florida license. Look it up, and make sure the name matches the contract.
- Proof of insurance. Ask for liability and workers' comp certificates.
- A written estimate with materials, tear-off, decking price per sheet, and warranty. Here's how to compare roofing estimates.
- Hurricane-rated materials and install methods that meet the Florida Building Code.
What to ask
- "What's your license number?"
- "Who pulls the permit?"
- "What do you charge per sheet of rotten decking?"
- "Will this roof help with wind mitigation credits on my insurance?" Things like stronger roof deck nails and roof-to-wall straps may lower your premium.
The catch: a roofer offering a gift card for a "free inspection" or promising to cover your deductible is breaking Florida law. Walk away and hire a licensed roofer you'd trust even if insurance weren't involved.
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Related services
Protecting your home from storms? See flood insurance, windows, and generators.
More Florida guides: Florida homeowners insurance · Florida car insurance · Florida home equity loans · Florida cash-out refinance · Miami car insurance
More roofing guides: Roof replacement cost · Roof inspection · Roof repair · Metal roofs · Hail damage · How to compare roofing estimates · How to measure your roof · Roof calculator
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