Guides
Florida roofing, explained properly
What a roof actually costs here, what the building code requires, and what Florida law says about your roof and your insurance — with the statute cited, so you can check it.
Step 1 of 2
Pricing your roof…
One momentGot it — an estimator will call.
They will want to walk the roof: the drainage, the access and the deck are what price a flat system, and none of it shows up from the air.
One contract, one company responsible — JAC is a licensed general contractor as well as a roofer.
Got it — we have your details.
You are outside Tampa Bay and Central Florida, so this is a call rather than a price. Someone will tell you straight whether we can get to you.
If we cannot, we will say so and point you at someone who can. A roofer who drives two hours to a job is a roofer who is not there when it leaks.
Got it — we have your details.
A roofer from the Tampa Bay office will call you to book your free inspection. You get the same written roof report, photographed slope by slope, and a fixed price once someone has actually been on the roof.
We do not show an instant price on the Gulf Coast. The aerial pricing tool only covers Central Florida, and a number we cannot stand behind is worse than no number at all.
- 1Drop in your address. Street and number is plenty.
- 2We call down the satellite. It photographs your roof from orbit while you wait.
- 3An estimator calls you with the price. Shingle, metal or flat — a real number for your roof, not a screen guess.
Nobody turns up unannounced. An estimator calls you at a time you agree to, with the price.
Every guide
How much does a roof replacement cost in Florida?
Florida roofs are priced per square — 100 square feet of roof surface — and a single-storey 2,000 square foot home is usually 22–26 squares.
Read the guide
Can an insurer drop me because of my roof's age in Florida?
Under Florida law passed in 2022 (SB 2-D), an insurer cannot refuse to write or renew a policy solely because a roof is less than 15 years old.
Read the guide
What is Florida's 25% roof rule?
Florida's 25% rule says that no more than 25 percent of a roof section may be repaired, replaced or recovered in any twelve-month period unless the whole roof section is brought up to current code.
Read the guide
What should I do first after hurricane roof damage?
Make the house safe, stop further water entry, then document everything before it is disturbed. In that order.
Read the guide
How long does a roof last in Florida?
In Florida, architectural asphalt shingle realistically lasts about 15–20 years despite a 25–30 year rating, and 3-tab about 10–15.
Read the guide
Shingle, tile or metal — which roof is right for a Florida home?
For most Florida homes, architectural shingle is the right answer: it is the cheapest to install at roughly $11,000–$20,000 on a 22–26 square roof, performs well in wind when correctly fastened, and lasts 15–20 years here.
Read the guide
How do I know if my roof needs replacing?
A Florida roof generally needs replacing rather than repairing when it shows several of these at once: heavy granule loss, leaks in more than one part of the house, widespread lifted or creased shingles after a storm, soft or spongy decking, daylight visible in the attic, a third repair in two years, or an age past 15–20 years with the underlayment never replaced.
Read the guide
How do you finance a new roof in Florida?
Most Florida roof replacements are paid for one of four ways: insurance proceeds when a covered storm caused the damage, contractor-arranged financing through a lender like Service Finance, a home equity loan or line of credit, or cash.
Read the guide
Does my roof deductible apply to hurricane damage in Florida?
No. Under section 627.701(10)(a)5 of the Florida Statutes, a separate roof deductible may not be applied to a roof loss resulting from a hurricane.
Read the guide
What is a wind mitigation inspection, and what does a roof earn on it?
Florida's Uniform Mitigation Verification Inspection Form, OIR-B1-1802, was revised effective 1 April 2026 under Rule 69O-170.0155.
Read the guide
How does a roof insurance claim work in Florida?
A Florida homeowner's policy covers sudden, accidental damage — a named storm, wind, hail, a tree — and does not cover age, wear or a roof that simply reached the end of its life.
Read the guide
How long does it take to replace a roof?
A typical Florida single-family shingle roof is a one to two day job once the crew is on site: tear off and dry-in on day one, finish on day two.
Read the guide
What does a roof warranty actually cover?
Two separate warranties cover a new roof and they fail in different ways.
Read the guideCredentials you can check yourself
Every claim on this page is a public record. Here is where to look it up.
Owens Corning Platinum Preferred Contractor
Owens Corning's top installer tier — dealer code 238677. It is also what makes us eligible to offer the Platinum Protection warranty, which covers workmanship as well as material. Verify
BBB Accredited · Rated A
Accredited with the Better Business Bureau since June 2023. Verify
Google Guaranteed
Backed by Googleon jobs booked through the ad
Google verifies the license & the insurance before granting it, and re-checks. You will see the badge on our Local Services Ads.
Google reviews · Gulf Coast
4.9 out of 5294 reviews at the Odessa office
Every review on the profile, good or bad, with our replies against them. Central Florida runs a separate profile at 5.0 from 145. Verify
Florida licences CGC1531030 (general contractor) and CCC1334352 (roofing), both held by Joshua Colon / JAC Builders, Inc. and both current through August 2028. Look them up on the Florida DBPR licence search — neither one carries a complaint or a disciplinary action.
Questions homeowners ask
What areas does JAC Builders serve?
Two Florida metros, on two separate phone lines. The Gulf Coast division covers Tampa Bay — Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Wesley Chapel, Land O'Lakes, New Port Richey, Spring Hill, Sarasota and Palmetto — from our office in Odessa. The Central Florida division covers Greater Orlando, including Kissimmee, St. Cloud, Winter Park, Winter Garden, Clermont, Lakeland and Winter Haven.
Is the roof inspection really free?
Yes. Inspection, photographs and a written roof report, with no obligation, whether or not you hire us. You keep the report.
How much does a roof replacement cost in Florida?
Roofing is priced per square — 100 sq ft of roof. A single-storey 2,000 sq ft Florida home is usually 22–26 squares. On that, architectural shingle generally runs $11,000–$20,000, concrete tile $25,000–$55,000 and standing-seam metal $20,000–$45,000. Market ranges, not quotes — pitch, storeys, layer count and decking condition move them. The free inspection produces your number.
Are you licensed and insured?
Yes. JAC Builders holds Florida state certifications as a certified general contractor (CGC1531030) and a certified roofing contractor (CCC1334352), and carries general liability and workers' compensation coverage. We'll provide the certificates before work starts.
Do you help with insurance claims?
Yes, up to the line the law draws. We document the damage thoroughly, give you a written photographic report, and meet your adjuster on the roof. We don't file on your behalf, take an assignment of benefits, or offer to cover deductibles — Florida law is specific about all three.
Do you offer financing?
Yes, through Service Finance — plans from around $99.59 a month, a 12-month no-interest option, longer fixed-rate terms, and no prepayment penalty.
How long does a roof replacement take?
Most single-family shingle roofs are done in one to two days. Tile and metal typically run three to six days because the material is heavier and the detailing is slower.
Do you do work other than roofing?
Yes. JAC Builders is a certified general contractor as well as a roofing contractor — gutters, soffit and fascia, solar, exterior and interior renovation, drywall and paint, and custom projects.
Free roof inspection. Written report. No obligation.
Mon–Fri 8am–5pm · Sat 8am–12pm · storm and active-leak calls answered after hours. Call Tampa Bay on (813) 920-9644 — or send your address and we'll come and look at it.