Updated November 3, 2026 · Local data: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates
Roof replacement in Florida requires a state-certified or registered roofing (or general/building) contractor licensed through Florida's Construction Industry Licensing Board, and a building permit.
Choose your community
St. Petersburg70% of homes built before 1980Clearwater56% of homes built before 1980Largo56% of homes built before 1980Palm Harbor29% of homes built before 1980Pinellas Park57% of homes built before 1980Dunedin61% of homes built before 1980East Lake12% of homes built before 1980Tarpon Springs40% of homes built before 1980Lealman73% of homes built before 1980Seminole54% of homes built before 1980Safety Harbor29% of homes built before 1980West Lealman75% of homes built before 1980Oldsmar23% of homes built before 1980Gulfport80% of homes built before 1980Bardmoor73% of homes built before 1980St. Pete Beach75% of homes built before 1980Treasure Island75% of homes built before 1980South Pasadena55% of homes built before 1980Kenneth City90% of homes built before 1980
Tips before you hire
- Ask for the permit number and final inspection. Insurers and future buyers will want proof of the roof's install date.
- Florida law prohibits contractors from offering gifts or deductible waivers to get you to file an insurance claim. Treat that offer as a red flag.
- After a roof is replaced, schedule a new wind mitigation inspection. Upgraded roof-deck nailing and secondary water barriers can earn credits.
Frequently asked questions
Do I need a permit to replace my roof in Florida?
Yes. Re-roofing needs a building permit from your city or, in unincorporated areas, Pinellas County.
Will a new roof lower my insurance?
Often, yes. Roof age is a major rating factor in Florida, and a wind mitigation report documents features that earn discounts.
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