Roof Replacement
Full tear-off, decking inspected and repaired, then a complete system installed — usually one to two days on a typical Florida single-family home.
See detailsGuide
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. JAC Builders offers financing from about $99.59 a month with a 12-month no-interest option and no prepayment penalty.
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.
Insurance proceeds
If a covered peril caused the damage, the carrier's scope less your deductible is your funding. Note that Florida law prohibits a contractor from paying, waiving or rebating your deductible — the deductible is yours, always.
What a roof loan actually is
Almost always an unsecured personal instalment loan, not a mortgage and not secured against the house -- which is why it can be approved in minutes and why the rate is higher than a home equity rate. Terms commonly run three to twelve years. The lender pays the contractor, you repay the lender, and the roof is not collateral. Two things to check on any offer: whether a promotional no-interest period charges deferred interest back to day one if you miss the window, and the total cost of credit over the full term rather than the monthly figure in the advert.
Contractor-arranged financing
We work with Service Finance. Plans start around $99.59 a month, there's a 12-month no-interest option, longer fixed-rate terms are available, and there's no prepayment penalty. It's the fastest route when a carrier deadline is driving the schedule.
Home equity
A HELOC or home equity loan usually carries the lowest rate of the borrowed options and the interest may be deductible when the funds improve the home. It's slower to arrange, which matters when you have a non-renewal deadline.
PACE and similar programs
Property-assessed financing attaches the obligation to the property tax bill. It can be convenient, but read the terms carefully — it creates a lien and can complicate a sale or refinance. Worth independent advice before signing.
What to avoid
Any arrangement that depends on a contractor covering your deductible, any assignment of benefits on a post-2023 policy, and any contract signed under pressure in the week after a hurricane. Florida built specific statutes around all three for good reason.
Need this doing rather than reading about? Roof Replacement — Shingle re-roof $11k–$20k · free inspection.
This page is general information, not legal or insurance advice. Florida statutes and the Florida Building Code change; the citations here were checked in October 2026. For advice on your own policy or claim, speak to your agent, your carrier, or the Florida Department of Financial Services. JAC Builders does not interpret insurance policies — Florida law (s. 489.147) reserves that to licensed public adjusters.
Related questions
Can I finance the insurance deductible?
You can finance your own out-of-pocket cost through a lender. What cannot happen is a contractor absorbing or rebating the deductible — that's prohibited under Florida law.
Does financing cost more overall?
The no-interest promotional period costs nothing if it's paid within the term. Longer fixed-rate terms carry interest like any loan — ask for the total cost of credit, not just the monthly payment.
Do you require payment up front?
Florida regulates contractor deposits. We work to a documented schedule tied to progress, and the contract states it before anything is signed.
What we do
Roof Repair
Pipe boots, lifted ridge cap, failed valley flashing, cracked tiles. We fix what is broken, and say so plainly when a repair is only buying months.
See details
Storm Damage Restoration
Tarp and dry-in first, then photograph the roof plane by plane and put it in writing — a report you can hand straight to your insurance carrier.
See details
Free Roof Inspection
A written, photographed report on every slope, flashing and penetration, with the remaining life. Free, and yours to keep whether you hire us or not.
See details
Shingle Roofing
Architectural shingle installed as a complete system: underlayment, fastening pattern, metal and ventilation. Owens Corning Platinum Preferred.
See details
Tile Roofing
On tile the underlayment is the waterproofing, so most Florida tile work is re-underlayment: tiles off, a new system down, the same tiles back on.
See details
Metal Roofing
Standing seam and 5V crimp — 40 to 70 years, high wind ratings, and it sheds heat instead of holding it. Two to three times shingle up front.
See details
Commercial Roofing
TPO, modified bitumen and flat systems, phased building by building so tenants keep trading and every unit is dried in before we leave each night.
See details
Exteriors & Custom Builds
Gutters, soffit and fascia, re-roofing under an existing solar array, and the interior damage under a leak. We hold the general contractor's licence, so it is one contract, not two.
See detailsFree 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.