Roofing quotes in Florida
A new architectural shingle roof in Florida costs about $6 to $8.50 per square foot, or roughly $13,800 to $19,550 on a typical 2,000 sq ft house. Two Florida quotes for the same roof can still be thousands apart, and the reason is often two dates in your home’s history: the year it was built and the year the roof was last replaced. Florida’s building code and insurance law attach different rules to each.
This page covers the prices and rules that apply across the state. For local prices and permits, see our guides to Tampa, Jacksonville and Orlando.
What a new roof costs in Florida
These are installed prices, including tear-off of the old roof, disposal, materials, labor and permits. A typical 2,000 sq ft single-story house has about 2,300 sq ft of roof, once you allow for slope and overhangs.
| Material | Per sq ft installed | 1,800 sq ft roof | 2,300 sq ft roof | 3,000 sq ft roof |
|---|---|---|---|---|
| Architectural shingles, statewide | $6–$8.50 | $10,800–$15,300 | $13,800–$19,550 | $18,000–$25,500 |
| Shingles, north Florida | $6–$8 | $10,800–$14,400 | $13,800–$18,400 | $18,000–$24,000 |
| Shingles, central Florida | $6.50–$8.50 | $11,700–$15,300 | $14,950–$19,550 | $19,500–$25,500 |
| Shingles, Miami-Dade | $8–$10 | $14,400–$18,000 | $18,400–$23,000 | $24,000–$30,000 |
| Standing seam metal | $10–$16 | $18,000–$28,800 | $23,000–$36,800 | $30,000–$48,000 |
| Concrete tile | $11–$20 | $19,800–$36,000 | $25,300–$46,000 | $33,000–$60,000 |
| Clay tile | $12–$22 | $21,600–$39,600 | $27,600–$50,600 | $36,000–$66,000 |
Per-square-foot rates from RoofingCalc’s Florida cost data, updated March 2025. Miami-Dade and Broward fall in the High-Velocity Hurricane Zone, where roofs have to meet stricter standards. Our guides use the north Florida rate in Jacksonville and the central Florida rate in Orlando.
Florida prices sit well above our national roof cost guide, where the same shingles run $4.50 to $7.50. Much of the gap is the wind protection Florida roofs are built to, and on an older house, some of it is the extra work the code requires at reroofing, which the next section explains.
Check two dates before you compare quotes
When was the house built? Homes built before the Florida Building Code took effect on March 1, 2002 have to get extra wind protection when they’re reroofed. The roof deck has to be re-nailed to current standards and a secondary water barrier installed under the new roof, under section 706.7.1 of the Florida Building Code, Existing Building (2023 edition). If the house is in a wind-borne debris region and is valued at $300,000 or more, the owner must also spend up to 15% of the reroof cost on stronger roof-to-wall connections, under section 706.8. The Village of Pinecrest’s permit supplement and the City of Sebastian’s re-roof guide both set these out in plain terms.
This is where many quote gaps come from. On a pre-2002 house, one roofer may have priced the re-nailing and a full secondary water barrier and another may not have, and the cheaper quote is simply the incomplete one. Ask every roofer in writing whether the mitigation work is included. In Orlando, the city checks that work partway through the job; see Orlando’s dry-in inspection. To find out whether your address is in a wind-borne debris region, use the University of Florida’s wind speed and debris region maps, made with the state for the 2023 code, or ask your building department.
When was the roof last replaced? If it was built, repaired or replaced under the 2007 Florida Building Code or later, the old “25% rule” no longer forces a whole new roof. Repairing a quarter or more of it only requires the repaired part to meet current code, under section 553.844. If a roofer tells you a large repair on a newer roof means replacing everything, ask them to show you why.
The roof’s age also matters to your insurer. Under section 627.7011(5), an insurer can’t refuse to write or renew a homeowners policy just because the roof is under 15 years old. If it’s older, you can pay for an inspection, and if that shows at least five years of useful life left, age alone still isn’t a valid reason. Before deciding to replace a roof only because of its age, find out where yours stands.
| If it’s | Date that matters | What it means |
|---|---|---|
| Before March 1, 2002 | When the house was built | A reroof must include re-nailing the roof deck and a secondary water barrier. In a wind-borne debris region, a home valued at $300,000 or more must also put up to 15% of the reroof cost into stronger roof-to-wall connections. |
| 2007 code or later | When the roof was last replaced | Repairing 25% or more of the roof only requires the repaired part to meet current code, not the whole roof. |
| Under 15 years old | The roof’s age | An insurer can’t refuse to write or renew your policy because of the roof’s age alone. |
| 15 years or older | The roof’s age | An inspection showing at least five years of life left keeps that same protection. |
Your new roof and your insurance bill
Florida insurers have to offer discounts for features that reduce wind damage, under section 627.0629. Several of them are part of the roof. The state’s mitigation inspection form, revised in April 2026 according to Citizens Property Insurance, records the roof covering, how the deck is attached, how the roof is tied to the walls, the roof’s shape and whether there’s a secondary water barrier.
A new roof can change several of those answers, but your insurer only knows if someone records it. Once the roof is finished, book a wind mitigation inspection and send the form to your insurer. How much it saves depends on the insurer and the house, so treat any roofer’s promise of a specific discount with caution.
The state’s My Safe Florida Home program offers a free wind mitigation inspection and grants of up to $10,000 for qualifying roof work: strengthening how the deck is attached, reinforcing roof-to-wall connections and adding a secondary water barrier. Grants have income limits, and moderate-income homeowners have to put in money of their own. Check the program’s site for whether it’s taking applications before you plan around it.
Rules that protect you during the job and any claim
Licensing. Roofers in Florida must hold a state certification or registration. Certified contractors can work anywhere in the state; registered ones only where they qualified, as section 489.105 defines them. Look the license up on the state licensing site before you sign.
Deposits. If a roofer takes more than 10% of the price up front, they have to apply for permits within 30 days and start work within 90 days of the permits being issued, unless you’ve agreed otherwise in writing, under section 489.126.
Insurance claims. Roofers can’t offer you cash, gifts or a waived deductible for filing a claim, and can’t interpret your policy unless they’re a licensed public adjuster, under section 489.147. On a policy issued on or after January 1, 2023, you can’t sign your insurance benefits over to a roofer, under section 627.7152. Notice of a claim has to reach your insurer within one year of the date of loss, or 18 months for a supplemental claim, under section 627.70132. Our guide to getting your roof paid by insurance covers the rest.
For the questions to ask any roofer before you sign, see questions to ask a roofer, and for what each line of a quote should say, our sample roofing estimate.
Florida city guides
Florida roofing questions
Last updated October 2026. This page explains Florida law in general terms and isn’t legal advice.
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