Florida insurers underwrite the roof first: past 15 years on shingles, options narrow and premiums climb; replacement restores both coverage and value. Document age, permits, and condition — the file is worth real money at renewal and sale.
A few hundred dollars buys the report that unlocks premium credits: roof-deck attachment, roof-to-wall straps, secondary water resistance, and opening protection. Most owners find credits they did not know they had earned; renew the report after any roof work.
Re-roofing triggers code upgrades that improve mitigation automatically; adding straps, sealed decks, and impact openings while the roof is open is the cheap moment. Price upgrades against premium savings — payback periods surprise people.
Inspect, photograph, tarp fast, and use established local roofers — the chaser wave follows every landfall. Assignment-of-benefits offers deserve deep skepticism.
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