Roofing FAQs
for Florida Realtors

It depends on the roof’s condition, age, and local code. Most buyers request an inspection—any signs of damage, aging, or active leaks could delay or derail the deal.

Many insurers in Florida won’t write new policies for: Shingle roofs older than 15 years Tile or metal roofs older than 25–30 years Even if the roof looks fine, age alone can be a deal-breaker.

If the roof is near the end of its life or leaking, yes. A new roof can increase buyer confidence, help with insurance, and avoid renegotiation during escrow.

It’s getting harder. Many Florida insurers require a roof to have at least 3–5 years of remaining life or they’ll deny coverage or request replacement. A wind mitigation inspection can help determine eligibility.

It’s a special inspection that evaluates how wind-resistant the roof is. If the home has qualifying features (like clips, secondary water barrier, or impact-rated shingles), buyers could receive insurance discounts.

Not legally—but smart buyers get one. Many lenders or insurance companies may request a 4-point inspection or wind mitigation report before closing.

Metal: Long-lasting, energy-efficient, and wind-resistant Tile: Attractive and durable in Florida’s climate Architectural shingles: More appealing than 3-tab shingles and perform better High-end materials can help in competitive markets or upscale neighborhoods.

A damaged or near-end-of-life roof can lead to a lower appraisal, especially if the appraiser believes the buyer will need to replace it soon. That can affect financing.

Most residential roofs take 1–3 days. Permit turnaround and weather can affect timelines.

Yes. Common strategies include: Seller credits toward roof replacement Escrow holdback for roof funds Full replacement before closing