A new roof cost in Florida comes down to the size of your roof, its pitch, the condition of the deck under it and the system you choose. National cost calculators average in states where a roof is a weather cover. In Florida a roof is a wind system that your insurer will inspect and price your policy against, which changes what goes on it and what it costs.
The fastest way to a real number is our instant estimate. It measures your roof from aerial imagery and emails you a starting price for every way we could build it: four shingle packages, two metal and concrete tile. Your exact price comes in writing after we walk the roof, and the inspection is always free.
Why a roof costs more in Florida
- The code asks for more roof. The Florida Building Code's wind provisions set fastening schedules, deck attachment and water barrier requirements most states never ask for. That is more labor and material on every square.
- Licensed and insured costs money. Liability and workers' compensation coverage sit inside every legitimate quote. A quote far below the others often means someone is uninsured, unlicensed, or planning to cut what an inspector cannot see.
- Florida roofs wear faster. Sun, heat, driving rain and storms age a roof here faster than the same roof in a milder state.
What moves your price
- Squares, not square feet. Roofers price by the square, 100 square feet of roof surface. Once pitch, hips, valleys and overhangs are counted, your roof is larger than your floor plan.
- Pitch and complexity. Steep roofs are slower and need more fall protection. Valleys, dormers and penetrations add labor.
- Tear-off and layers. The Florida Building Code allows no more than two layers, and tile costs more to tear off than shingle because of its weight.
- The deck. Nobody knows what the deck looks like until the old roof is off. Rotten wood has to be replaced before anything new goes down, and on an older home it is the most common change to the price.
- Code items at reroof. The deck is re-nailed to current code. These are inspection items, not upsells.
- Small roofs cost more per square. The permit, the dumpster and getting the crew there cost about the same on a small roof as a large one.
- The material. Shingle, metal and concrete tile land at different prices. Our guide to tile vs metal roofing covers how they compare.
Where you live
Across West Central Florida, the county moves the price less than most people expect. Permit offices and fees differ by county and city, and coastal homes need corrosion resistant fasteners and flashing. For Hillsborough, see roof replacement cost in Tampa and Hillsborough reroof permits.
The insurance side
In Florida a roof is also an insurance question. Florida insurers can ask for an inspection on a roof 15 years or older, and a new roof can lower your premium through wind mitigation credits for the covering, the deck attachment, the roof to wall connections, the roof shape and a sealed secondary water barrier. No roofer can promise you a dollar figure. See roof inspections for how the credits work.
What a fair quote includes
Get every quote in writing and check that it names all of this:
- The material, manufacturer and product line, not just "shingles"
- The underlayment, and whether a secondary water barrier is included
- Tear-off, disposal and how many layers come off
- How rotten decking is priced if it turns up, and how much is already included
- Deck re-nailing to current code
- Flashing, drip edge, valleys, pipe boots and vents
- The permit, pulled under the contractor's own license
- The manufacturer's warranty and the contractor's written workmanship warranty
- The contractor's Florida license number
Ours is CCC1337501, Florida Certified Roofing Contractor.
Paying for it
Pay outright, through an approved insurance claim if a storm damaged the roof, or finance it with Wisetack monthly payments or Ygrene PACE. See financing.
How much does a new roof cost?
It depends on the size of the roof, its pitch and the system you choose. The instant estimate measures your roof from aerial imagery and emails you a starting price for every way we could build it, in shingle, metal and concrete tile, in a few minutes. Your exact price comes in writing after we walk the roof.
Why does a roof cost more in Florida than in other states?
The Florida Building Code's wind provisions ask for more on every roof, from fastening to the water barrier, and Florida roofs age faster under the sun, heat and storms.
Will a new roof lower my insurance?
Often, through wind mitigation credits. On our Essential, Preferred, Signature and metal roofs, the wind mitigation inspection is included in your price: once the roof passes final inspection and is paid, we set it up with a licensed inspector.
Can I finance a new roof?
Yes, two ways. Wisetack is a monthly payment loan based on your credit. Ygrene PACE is based on your home's equity and repaid through your property taxes. See financing.
The service: Roof replacement