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New Roof Lower Homeowners Insurance Premium Florida

Can Installing a New Roof in Florida Lower Home Insurance Prices?

Florida is known for a few things: its sunshine, its beaches, and its high homeowners insurance rates. And if you’ve owned a home in Florida for any amount of time, you’re probably looking for ways to lower your insurance premiums. Specifically, you’re wondering: Can I lower my homeowners insurance with a new roof?

The good news is that a new roof could lower your homeowners insurance premium! But the bad news is that getting cheaper insurance depends on some specific factors that can vary case by case. Luckily, we’re here to help you break it all down and get clear information that you can use.

We’re Classic Roofing and Construction, and we’ve been your local roofing experts for over two decades. Today, we’re putting that expertise to use and explaining how a new roof can actually save you money!

Will a New Roof Lower My Homeowners Insurance Premium in Florida?

Will a New Roof Lower My Homeowners Insurance Premium in Florida

In most cases, yes, a new roof will get you a lower insurance premium. And that makes sense: After all, your premium is determined (in part) by the risk your home faces from natural disasters, and a new, strong roofing system will be better able to protect your home.


But the specifics of how much you’ll save will depend on your old roof and your new roof. For example, replacing a five-year-old shingle roof with a new shingle roof might not result in much savings. However, replacing an old shingle roof with a new metal roofing system could save you a lot of money on your homeowners insurance.

You’ll also need to make sure that you’re getting a new roof from expert roofers. DIYing a roof replacement can be tempting, especially if you want to save money, but without the proper documentation from your county and expert roof installation services, you could spend countless hours and thousands of dollars installing a roof yourself that doesn’t meet your insurer’s standards. If this happens, you could lose your coverage entirely.

If you’re unsure about how much a new roof could lower your insurance premium, it’s a good idea to speak to your insurance representative. Policies vary wildly, so knowing the specifics of your policy is key to figuring out how much you can save.

But did you know that getting a new roof isn’t the only way to lower your homeowners insurance bill?

Roofing Services to Lower Homeowners Insurance Costs

Roofing Services to Lower Homeowners Insurance Costs

If you can’t afford a full roof replacement, or if it’s not the right time, you still have options to lower your homeowners insurance premium. Let’s cover some of the most popular home improvements that could help save you money:

  • Hurricane Clips: Also called hurricane ties, these metal fasteners can help secure your roof from being removed by high wind speeds, even during extreme hurricane conditions. By reinforcing the connection between the truss and the wall plate, hurricane clips offer protection that is much stronger than the nails that would otherwise secure your roof. As a result, installing them can assure your homeowners insurance provider that your home is at minimal risk.
  • Impact-Resistant Windows: Your homeowners insurance provider doesn’t just worry about your roof—they worry about the safety of your home as a whole. And investing in impact-resistant windows is a great way to protect a structural vulnerability, which could lower your premium. And while this isn’t a traditional roofing service, Classic also operates under a general contractor’s license, so you can count on our crews to install strong, resilient windows!
  • Start Bundling: One great way to lower your premium is to try bundling your insurance. If your insurer provides other forms of insurance (car, umbrella, etc.), lumping policies together could save you money overall. This is a great way to lower your premium if you can’t afford to invest too much in your home right now!

Without replacing your roof, these are some of the most direct ways to lower your homeowners insurance premium in Florida. As a last resort, you could try to shop around, but with Citizens holding over a million policies, we know that this isn’t an option for everyone.

At the end of the day, only you can decide whether a roof upgrade or replacement to lower your homeowners insurance premium is right for your specific situation.

Should I Get Roofing Work to Lower My Insurance Premium?

Homeowners insurance rates are a complicated result of countless contributing factors. But among those factors, the health and security of your roof is certainly major. So if you’re finding yourself overwhelmed by your homeowners insurance premium in Florida, replacing your old, worn-out roof could make all the difference. This way you’ll both lower your insurance premiums and protect your home from Florida’s infamous tropical storms and hurricanes.

If you need help hurricane-proofing your roof to put your insurer at ease, reach out to Classic Roofing and Construction. We’ve been Florida’s top roofing contractors for more than 20 years. And with a glowing local reputation and approval from the state government, you can trust us to get the job done right every time.

To explore your roofing options, all you have to do is schedule your free estimate. After discussing exactly what you’re looking for, one of our experts will conduct a roof inspection to see how we can help. Then, they’ll prepare you a personalized estimate that explains exactly what you’re paying for. This way, there are no nasty surprises!

Classic has been helping local community members since 2003. Reach out today and see why we’re gonna keep doing things the Classic way!

FAQs About Lowering Homeowners Insurance Premiums With Roofing

1. Q: Will getting a new roof lower my insurance premium?

A: Yes, in most cases, getting a new roof will lower your premium. This is especially likely to work if you have an old roof that needs replacing anyway, or if you upgrade to a higher quality roofing material. When unsure, you should consult with your insurance agent to review the details of  your policy.

2. Q: Can I get my homeowners insurance to pay for a new roof?

A: Depending on your policy, you may be able to get your insurer to cover the costs of your new roof. This depends on the specifics of your policy, so we recommend reviewing our complete guide.

3. Q: What kinds of roofing materials will lower my premium?

A: In theory, any kind of roof replacement can lower your premium. But your premium is meant to be lower the more protected your home is, so materials like tile and metal could offer increased savings.

4. Q: How much can I expect to save on my homeowners insurance by replacing my roof?

A: Generally, homeowners can save five to 35 percent on their total policy by replacing their roof.

5. Q: Are there any building codes or regulations in Florida that I should be aware of when installing a new roof for insurance purposes?

A: Each county has its own local ordinances to comply with, in addition to state regulations on roofing. This process can be difficult to navigate, which is why we strongly recommend leaving things as serious and important as a roof replacement to the professionals.

Video – Lowering Homeowners Insurance Premiums With Roofing

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