Florida · Insurance
When replacing the roof fixes the policy. Most people searching this want to find out if a new roof will get them a policy, a renewal, or a lower premium — that's what you'll get, in writing, from a licensed Florida roofing contractor.
Get a written quotethe 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.
Florida's 2022 insurance reforms ended assignment-of-benefits agreements for new policies and shortened claim filing windows, so the order you do things in matters more than it used to.
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.
Many Florida carriers now offer policies that pay actual cash value on older roofs rather than full replacement cost — worth checking before you assume a claim will cover a new roof.
A wind mitigation inspection (Form OIR-B1-1802) can lower premiums on any roof and is required for most discounts.
How it works
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.
Secondary water resistance (peel-and-stick underlayment), hip roof shape if you already have it, proper nailing pattern, and roof-to-wall attachment. A roofer who knows the OIR-B1-1802 form builds to score well on it.
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.
In 25 counties and 300 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.