Roofing
Roofing Options for Florida Homes
Review roof repair and replacement options for your home through a clear consultation and coordination process.
Illustration of one home. Code requirements depend on the home, its age and the permit. Installation is performed by independent Florida licensed contractor(s).
What it is and why it matters
What It Is & Why It Matters
Nova Structa helps homeowners review roofing repair and replacement options, including shingle, tile, metal, and flat roof projects. Roofing work is performed by independent Florida licensed contractor(s).
Roofing is an important part of protecting your home.
A roof assessment can help identify visible wear, storm-related concerns, ventilation needs, material options, and project considerations for your Florida home.
- 01Visible wear and storm-related concerns
- 02Ventilation needs
- 03Material options for your home and neighborhood requirements
- 04Project scope, timing, and financing options where available
Shingle, tile or metal
One Home, Three Roofs
Tap a material to put it on the house. Each one shows its typical life, how it fared in Hurricane Ian, and the insurance line that applies.
Read: Best Roofing Materials for Florida Homes in 2026
Standing seam metalRoofs with damage in Hurricane Ian
Around 12% had damage in Ian, mostly from debris off nearby structures. IBHS
- Good to know
- Concealed fasteners, long life, and panels that solar can clamp to without drilling.
- Insurance
- Citizens' threshold for hard roofs like metal is 50 years. Citizens
Photos are illustrations of one home. Damage rates are approximate shares of 3,646 homes surveyed after Hurricane Ian by IBHS. Actual performance depends on the product, installation, age and storm.
Roof age and Florida insurance
How Old Is Your Roof, Really?
In Florida, a roof's age shapes what an insurer may ask for. Slide to the year your roof was last fully replaced and pick its material.
When to replace your roofAbout 60% of a typical 20-year shingle roof life used, roughly 8 years left on paper. Source
Under 15 years: a Florida insurer may not refuse to write or renew your policy solely because of the roof's age. Fla. Stat. 627.7011
Under Citizens' 25-year line for shingle roofs. Citizens asks for documentation of at least 5 years of remaining life on shingle roofs over 25 years and hard roofs over 50. Citizens
Roof age counts from the last time 100% of the roof was built or replaced.
General information, not insurance or legal advice. Your policy, insurer and inspection decide what applies. Nova Structa is not a public adjuster.
How It Works
From assessment request to project coordination, a clear process for reviewing roofing options.
- 01
Step 1
Roof Assessment Request
Start with a request to review visible roof concerns, roof age, roof type, photos, and project needs.
- 02
Step 2
Project Options & Estimate Review
Review available roof material options, estimated project scope, timing, and financing options where available.
- 03
Step 3
Permitting & Project Preparation
Required permits, preparation, and project steps are coordinated according to local requirements and the written project documents.
- 04
Step 4
Installation by Independent Licensed Contractor(s)
Roofing installation and regulated construction work are performed by independent Florida licensed contractor(s). Final materials, system details, and installation scope are identified in the written project documents.
- 05
Step 5
Final Review & Written Warranty Information
Project closeout and warranty information are provided according to the written project and warranty documents. Warranty coverage varies by manufacturer, contractor, product, and project.
Your roof
- 01
Step 1
Roof Assessment Request
Start with a request to review visible roof concerns, roof age, roof type, photos, and project needs.
- 02
Step 2
Project Options & Estimate Review
Review available roof material options, estimated project scope, timing, and financing options where available.
- 03
Step 3
Permitting & Project Preparation
Required permits, preparation, and project steps are coordinated according to local requirements and the written project documents.
- 04
Step 4
Installation by Independent Licensed Contractor(s)
Roofing installation and regulated construction work are performed by independent Florida licensed contractor(s). Final materials, system details, and installation scope are identified in the written project documents.
- 05
Step 5
Final Review & Written Warranty Information
Project closeout and warranty information are provided according to the written project and warranty documents. Warranty coverage varies by manufacturer, contractor, product, and project.
Project closeout
Features & Benefits
- 01
Florida Roofing Options
Review roofing material options designed for Florida weather conditions and your home’s project needs.
- 02
Material and Ventilation Review
Roofing materials, ventilation, and project design can be reviewed during the assessment process.
- 03
Curb Appeal Options
Review styles, colors, and materials that may fit your home and neighborhood requirements.
- 04
Roof Type Options
Options may include shingle, tile, metal, or flat roofing depending on your home and project scope.
- 05
Written Warranty Information
Manufacturer and workmanship warranties, where offered, are governed by the written warranty documents.
- 06
Financing Options May Be Available
Financing, where available, is provided by third-party financing providers and is subject to credit approval.
After a storm
Know the Rules Before You Call Anyone
Nova Structa is not a public adjuster and does not interpret insurance policies or negotiate claims.
Roofs and Florida insurance- 1 yr
To give notice of a claim
Notice of a new or reopened claim must reach your insurer within 1 year of the loss. For hurricanes, the date of loss is landfall. Fla. Stat. 627.70132 (2026)
- 18 mo
For a supplemental claim
Supplemental claims must be reported within 18 months. Fla. Stat. 627.70132 (2026)
- No AOB
Since January 1, 2023
Policies issued since then cannot assign post-loss benefits to a contractor. Fla. Stat. 627.7152(13) (2026)
- Red flag
Gifts for an inspection
Florida law bars contractors from offering anything of value for a roof inspection or a claim, or offering to pay or waive your deductible. Fla. Stat. 489.147 (2026)
Why Nova Structa for Roofing?
Nova Structa helps homeowners review roofing options, project needs, financing structures, and warranty information through a streamlined consultation and coordination process.
Warranty Information
Product and workmanship warranties, where offered, are governed by the written warranty documents provided for the project.
Installation by Independent Licensed Contractor(s)
Roofing installation and regulated construction work are performed by independent Florida licensed contractor(s).
Project Coordination Support
Nova Structa helps coordinate intake, consultation, project review, and handoff steps.
Florida Roofing Options
Review roofing options for shingle, tile, metal, or flat roof projects based on your home and project scope.
Manufacturer Options
Available products and manufacturers vary by project. Final materials and warranties are identified in the written project documents.
Roofing Project Visuals
Review example visuals showing different roofing conditions and project types. Actual project scope, materials, timeline, cost, and results vary by home.
Tile
Flat
Metal, in progress
Frequently Asked Questions
- Do solar panels have to put holes in a metal roof?
- Not on a standing seam metal roof. The mounting hardware clamps onto the raised seam itself, so the roofing panel is never drilled and no new penetration is created. On other roof types, including shingle and most exposed-fastener metal, mounts do penetrate the roof deck and are flashed and sealed as part of the installation. Which method applies to your home depends on the roof type and the final system design, and is identified in the written project documents.
- Do I need a new roof or just a repair?
- Roof repair or replacement depends on roof age, visible condition, leaks, storm-related concerns, material type, and inspection findings. A roof assessment can help review available options.
- How long does a roofing project take?
- Project timelines vary based on roof size, materials, permitting, weather, scheduling, inspections, and local requirements.
- Can you help with insurance claims?
- Nova Structa is not a public adjuster and does not interpret insurance policies or negotiate insurance claims. Homeowners are responsible for communicating with their insurer or retaining a licensed public adjuster where appropriate.
- What roofing types can be reviewed?
- Roofing options may include shingle, tile, metal, or flat roofing depending on your home, roof condition, project scope, and contractor availability.
- Is financing available?
- Financing, where available, is provided by third-party financing providers and is subject to credit approval. Rates, terms, fees, monthly payments, total cost, and any security interest or filing are disclosed in the financing agreement.
The Nova Structa Resource Hub
Read Before You Reroof.
Sourced guides on Florida roofs, storms, insurance and home value.
All guides
New · RoofingRoof Repair vs. Replacement in Florida (2026): The Signs, the Rules and How to Decide
RoofingBest Roofing Materials for Florida Homes in 2026: Why Metal Leads
Solar EnergyDo Solar Panels Work in a Hurricane? Wind, Clouds, Outages and Batteries
GeneralFlorida Homeowner Checklist 2026: What to Inspect Every Season (Built Around Hurricane Season)
General7 Upgrades That Add Value to a Florida Home in 2026 (and What the Data Says)
Ready to Review Your Roofing Options?
Get a free assessment for your home. Nova Structa can help you review roof repair or replacement options, available financing structures, and written warranty information.
Financing, where available, is provided by third-party financing providers and is subject to credit approval. Rates, terms, fees, monthly payments, total cost, and any security interest or filing are set out in your financing agreement. “$0 down” describes the initial payment structure only and does not mean the system or services are free.