Roofing Guides
Roofing Guides for Miami Homeowners
Straight answers on costs, insurance, permits and hurricane prep, with sources you can check.
How Much Does a New Roof Cost in Miami?
What a new roof costs in Miami in 2026: published per-square-foot ranges for shingle, tile and metal, plus the HVHZ, permit and deck factors.
Read guide →Tile vs. Shingle vs. Metal: Roof Costs in South Florida
Compare 2026 published South Florida costs, lifespan estimates and trade-offs for asphalt shingle, concrete/clay tile and standing-seam metal roofs.
Read guide →How to Finance a Roof Replacement
How Miami homeowners pay for a new roof: contractor financing through Acorn Finance, HELOCs, PACE and cash, with what to compare before you sign.
Read guide →Does Homeowners Insurance Pay for a New Roof in Florida?
When Florida homeowners insurance may cover a roof replacement, when it won't, how deductibles and the 25% rule factor in, and what the law says.
Read guide →Filing a Roof Claim After a Hurricane
Roof damage after a Florida hurricane, step by step: safety, photos, temporary repairs, claim deadlines under §627.70132, and staying in control.
Read guide →What Is a Wind Mitigation Inspection?
What a Florida wind mitigation inspection (form OIR-B1-1802) checks, how it can lower premiums, how long it's valid, and the My Safe Florida Home program.
Read guide →Roof Age and Homeowners Insurance in Florida
Florida §627.7011(5): insurers can't refuse or non-renew solely for a roof under 15 years old; older roofs can pass with an inspection showing 5+ years of life.
Read guide →What Is a Miami-Dade NOA?
A Miami-Dade Notice of Acceptance (NOA) shows a roofing product passed HVHZ testing. Here's what it means, why it's required and how to look one up.
Read guide →Roof Permits in Miami-Dade County
Who issues roof permits in Miami-Dade, what's submitted (HVHZ uniform roofing application, NOAs), inspections, and how to look up a permit on your home.
Read guide →Florida's 25% Roof Rule: The Current Law
The current Florida 25% roof rule: FBC-Existing Building §706.1.1 and the §553.844(5) exception from 2022's SB 4-D for roofs built to the 2007 code or later.
Read guide →How Long Do Roofs Last in Florida?
Expected life of shingle, tile and metal roofs, why Florida's sun and storms shorten it, and how roof age affects your insurance at 15 years.
Read guide →Signs You Need a New Roof
Inside and outside warning signs that your Florida roof needs repair or replacement: leaks, stains, missing shingles, cracked tiles, sagging and more.
Read guide →Roof Repair vs. Replacement: How to Decide
When to repair and when to replace your roof in South Florida: damage extent, age, the 25% rule, insurance and cost, explained plainly.
Read guide →Getting Your Roof Ready for Hurricane Season
How to get your roof ready for Atlantic hurricane season (June 1–Nov 30): inspection, debris, documentation, insurance review and emergency plans.
Read guide →Roof Leaking During a Storm: What to Do
Immediate steps when your roof leaks in a storm: safety, containing water, protecting belongings, documenting damage, and getting a temporary repair.
Read guide →How to Check a Florida Roofer's License
Verify any Florida roofing contractor on MyFloridaLicense.com: license type, active status, complaints. Includes our license CCC1337977.
Read guide →Questions to Ask a Roofer Before You Hire
The questions to ask any Florida roofer: license, insurance, permits, NOAs, scope, wood replacement pricing, warranty, financing and cleanup.
Read guide →Not legal or insurance advice. You stay in control of your own insurance claim.
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Owner-run and bilingual. Licensed roofing contractor CCC1337977, $1M general liability. Financing through Acorn Finance, subject to approval.