Get a free roof estimate and an honest condition check from Oscar Gonzalez, independent roofing consultant. You'll learn how much life your roof has left, what your insurer will see, and whether to repair or replace. No pressure, no upsells.
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Oscar will call or text you within 1 hour to set up your roof check.
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Insurers in Florida look hard at roof age. A renewal letter asking for a roof inspection, or warning about non-renewal, is often the first sign. Many roofs in Miami-Dade and Broward went on in the rebuild after Hurricane Andrew or in the 1990s–2000s building boom, so a lot of them are now past 15 or even 30 years.
Three numbers decide most of these conversations:
A free estimate tells you where your roof stands on each one before the insurer decides for you. Read the full roof & insurance guide →
More than a price. You get a clear picture of the roof.
We help you find the permit date, because insurers go by the record, not memory.
Covering, underlayment, flashing and deck. Tile can look fine while the layer under it is worn out.
The items that show up on 4-point and wind mitigation reports, so there are no surprises.
Whether a section repair is allowed for your roof under Florida's rules, and rough costs for each option.
Roof-to-wall connections, deck attachment and secondary water barrier, which can lower your windstorm premium.
Approved tile and colors, design review and who pulls the permit in your city.
Insurers ask for both, and they do different jobs
Covers the roof, electrical, plumbing and HVAC. Many insurers require it on older homes when you buy or renew, and each insurer sets its own age cutoff. On the roof, they may want proof of at least five years of remaining life once shingle passes about 15 years, or tile and metal about 20.
Documents your home's wind-resistance features on the state form (OIR-B1-1802, revised April 2026): roof covering, deck attachment, roof-to-wall connections, roof shape, secondary water barrier and opening protection. Verified features can earn windstorm discounts, and the report is valid for five years.
Official forms are signed by a qualified, licensed professional. Oscar tells you beforehand what the inspector is likely to find and can connect you with one.
Free, no obligation, and in plain English or Spanish
Use the form, call or text. Send the insurer's letter if you got one.
Oscar looks at the roof and its record and explains what he finds.
Repair, partial work or replacement, with rough costs, plus licensed contractors if you want to go ahead.
Residential and commercial roofing across Miami-Dade & Broward
Condition, remaining life and what an insurer will see.
Leaks, loose tile, flashing and storm damage, repaired to code.
Full tear-off and new roof, permitted and inspected.
Underlayment replacement and tile reinstall, or new tile.
Long-lasting and wind-resistant, a common upgrade from tile or shingle.
Affordable and quick to install on most homes.
TPO and modified bitumen for additions, condos and commercial.
Damage documentation, emergency repair and claim help.
Roof age, insurance and inspection notes for 34 cities in Miami-Dade and Broward
Not solely for age if the roof is under 15 years old. For roofs 15 or older, Florida law lets you get an inspection by an authorized inspector. If it shows at least five years of useful life remaining, the insurer can't refuse to renew on roof age alone (s. 627.7011, Florida Statutes).
Yes. Oscar's roof check and estimate are free with no obligation. Official 4-point or wind mitigation reports are separate forms signed by a licensed inspector. Oscar can tell you what to expect and connect you with one.
Not always. Since 2022, roofs built or replaced under the 2007 Florida Building Code or later (generally permitted after March 1, 2009) can be repaired in sections, with only the repaired portion brought to current code. Older roofs still fall under the traditional 25% rule.
Just want to know what a new roof costs? See 2026 roof prices in Miami. En español: MiamiTecho.com.
Call or text Oscar directly, and send the insurer's letter if you have one.