Tequesta · Palm Beach County · Insurance
This is the Tequesta page for new roof for insurance savings. The short version: you want to find out if a new roof will get them a policy, a renewal, or a lower premium, and you can have it without a salesperson at the door.
Get a written quoteRoof-to-wall connections built to old code are a major wind mitigation factor, and hurricane clips added during a replacement can improve the score. Additions from later decades were often tied into the original roof without proper flashing; those seams are where the leaks live. Roof-to-wall attachment matters more here than anywhere; clips or straps added during a tear-off can move a home a full category on its wind mitigation report.
On cost: the roof costs what it costs, but a wind-mitigation-optimized install can pay back a meaningful share of that through premium reductions over its life.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life.
How it works
Florida's My Safe Florida Home program has offered matching grants for wind-hardening improvements including roofs; funding and eligibility change year to year, so check the current status before you plan around it.
Usually it makes you insurable again, either with the same carrier or on the open market. Get the replacement quote and a sample wind mitigation form together, then talk to your agent before you commit.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life. Tequesta is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."