Lower Your Insurance With a New Roof

Florida law requires insurers to include wind mitigation discounts in their residential rate filings. That means the features on your roof are not a nice to have, they are a line item on your bill. When we replace a roof to current code, we document every qualifying feature and hand you the paperwork your carrier needs.

The five features carriers look at

A wind mitigation inspection is recorded on Florida form OIR-B1-1802. These are the items it scores.

Roof geometry is the fifth item. A hip roof sheds wind better than a gable and scores accordingly. That one is set by your home, not by the reroof.

Insurability, not just price

Many Florida carriers now restrict or decline coverage on roofs older than about 15 years, regardless of condition. For a lot of homeowners the real question is not how much they will save, it is whether they can keep a policy at all. A new code current roof usually restores insurability, and it is one of the few upgrades that does.

What you get from us at close out

1. Free inspection and honest assessmentWe tell you whether you need a roof, not just whether we can sell you one.
2. Permit and code compliant installationBuilt to the Florida Building Code that applies to your address, including HVHZ where it applies.
3. Permit close out and inspection recordsIndependent verification that the work passed.
4. Wind mitigation affidavit when applicableThe documentation your insurer asks for, in writing, so you can hand it straight to your agent.
5. Manufacturer and workmanship warrantiesRegistered and in writing, and transferable on qualifying systems when you sell.

My Safe Florida Home

The state has run grant and inspection programs to help homeowners harden their homes against wind. Funding and eligibility change from year to year, so confirm current status with the program directly. If you qualify, it can pair well with a reroof.