Roof inspections · Martin, St. Lucie & north Palm Beach
Most roof inspections we do start one of three ways. Find yours below, see what Florida law says about it, then call — we'll look at the roof and tell you plainly what it has left.
Three reasons people call
Insurer letter
If your roof is under 15 years old, an insurer can't refuse or drop you for its age alone. If it's older, you can have it inspected — and if it has at least 5 years of useful life left, age alone still isn't a reason to refuse.
Fla. Stat. §627.7011Buying or selling
A roof inspection tells a buyer what they're taking on and tells a seller what a buyer's inspector is going to find — before it becomes a price negotiation.
Lower premiums
Florida insurers must discount premiums for wind-resistant features: how the roof deck is attached, how the roof is tied to the walls, a secondary water barrier. They're documented on the state's wind-mitigation form, OIR-B1-1802, updated in April 2026.
Florida OIR · §627.0629More Florida rules worth knowing
Normally no more than 25% of a roof can be repaired in a year before that whole section must meet current code. Roofs built to the 2007 Florida Building Code or later are the exception: only the repaired part has to.
Fla. Stat. §553.844The state program offers a free wind-mitigation inspection and matching grants of up to $10,000 for hardening, including a new roof. Funding is limited and eligibility rules apply, so check the program first.
mysafeflhome.comWorking through a claim or a grant? We can help with the roof paperwork your insurer or the program asks for.
Free estimate
Tell us which situation you're in. We'll call to set a time. Prefer to talk now? Call 772-545-3442 (Martin) or 561-744-8765 (North Palm Beach).