Florida Roofing Laws Protect Your Family And Home

Aug 14, 2023

Florida homeowners have experienced challenging times in the past few years. Severe hurricanes have caused significant damage, including roof damage. Homeowner’s insurance companies are attempting to leave Florida due to the resulting damage and claims. In response, Florida lawmakers have passed new laws aimed at relieving the burden on homeowners and ensuring affordable homeowners insurance. We understand that keeping up with the latest building codes and roofing laws may be difficult due to time constraints. However, it is crucial to familiarize yourself with the new laws that govern roofing. In this article, we will talk about Florida roofing laws that can protect your family and home


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Florida Roofing Contractors and New Roofing Laws

Unfortunately, some roofers are not well-versed in Florida’s roofing laws, leaving homeowners vulnerable. If you hire a contractor who is not up to date with the latest building codes, your roof may not meet Florida’s requirements. In such cases, your insurance company might even terminate your policy if they do not “approve” your roof. This is the last thing you want to happen, especially during hurricane season.

Moreover, after a major storm like Hurricane Ian, companies from outside the state often come to assist. These companies, known as storm-chasers in the roofing industry, are skilled at selling roofs but lack expertise in roofing itself. Storm-chasers are often unfamiliar with Florida’s roofing laws. Consequently, if you discover that the roof installed by storm chasers does not comply with Florida’s roofing laws, it can be challenging to locate them.

To avoid falling into this trap, we recommend two steps. First, familiarize yourself with the recent changes in Florida’s roof laws, which we will explain in the next section. Second, only hire licensed and established Florida roofing companies to replace or repair storm-damaged roofing.

Changes in Roof Laws: What You Need to Know

Florida’s roof laws are continuously evolving, and as a homeowner, it is important to stay informed about the most recent and significant changes.

License Requirements

Roofers in Florida must be licensed, and those working under them must also hold licenses. A licensed contractor cannot supervise unlicensed workers. These laws apply to both in-state and out-of-state roofers. Despite this, many storm-chasers try to bypass these regulations. They begin working on a home without realizing they need a license until the homeowners’ insurance requests a certificate, which they are unable to provide. Always ask for proof of licensing before hiring a Florida roofing company. Do not engage a company that cannot provide proof of licensing.


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Re-Certification Requirements

Insurance companies are now prohibited from denying coverage based on a roof being older than 15 years. However, when a roof reaches 15 years of age, it must be recertified. A qualified roofer must inspect the roof and certify that it has at least five more years of life. This process must be repeated every five years for the remainder of the roof’s lifespan.

Roofing materials such as tile, metal, and solar can last much longer than 15 years and meet the requirements for recertification, provided they are installed correctly. Some roofs installed by less reputable companies might lack hurricane straps, secure connectors, waterproof underlayment, or other hurricane-proof features required by the building code. It is essential to hire only licensed Florida roofing contractors.

Grant Assistance

Another provision in the law allows homeowners to bring their roofs up to date with the latest code requirements. Homeowners who wish to “harden” their homes can apply for grants. Hardening may involve adding hurricane straps to an existing roof or installing hurricane shutters, which prevent sudden pressure changes that can cause a roof to lift during a storm.

By updating their roofs, homeowners can receive insurance discounts. This not only protects them from storms but also reduces the number of insurance claims. Fewer claims alleviate pressure on insurance companies, making insurance more affordable and accessible in the future.


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Now more than ever, it is crucial to stay informed about the changing laws governing construction and roofing in Florida. Roofing. Co is here to help. Our licensed and experienced roofers are dedicated to combating roofing scams and supporting legislation that protects homeowners, reputable contractors, and insurers.

With our extensive knowledge of Florida’s roofing laws, we strive to provide the highest quality service and ensure that your roof meets all legal requirements. Our team of experts stays up to date with the latest building codes and regulations, so you can have peace of mind knowing that your roof is in compliance.

When it comes to hiring a roofing contractor, always remember to ask for proof of licensing. A reputable roofing company like Roofing. Co will gladly provide you with their license information, demonstrating their commitment to professionalism and adherence to the law.

Additionally, we understand the importance of maintaining a safe and secure roof during hurricane season. Our experienced roofers are skilled in installing hurricane-resistant features, such as hurricane straps, secure connectors, and waterproof underlayment. These features not only protect your home but also ensure that your insurance coverage remains intact.

We also encourage homeowners to take advantage of the grant assistance available for roof updates. By investing in hardening measures, such as adding hurricane straps or installing hurricane shutters, you not only improve the resilience of your home but also contribute to the overall reduction in insurance claims. This, in turn, helps to stabilize insurance rates and make coverage more affordable for all homeowners.

Call us Today

At Roofing. Co, we are committed to providing exceptional service and supporting legislation that benefits homeowners, reputable contractors, and insurers alike. If you require assistance with repairing damage caused by hurricanes or need guidance on hardening your roof, our team is here to help. We offer free on-site estimates for Florida homeowners, allowing you to make informed decisions about your roofing needs.

Don’t let roofing scams or non-compliant contractors put your home and insurance coverage at risk. Trust the experts at Roofing. Co to ensure that your roof meets all the necessary legal requirements while providing the utmost protection for you and your family. Contact us today for reliable and professional roofing services.

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In a hurry? Call us at 727-309-3344