Does Your Roof Qualify for a Homeowners Insurance Discount?
If you’re a homeowner in Florida, you already know that property insurance costs are on the rise—especially due to frequent storms, hurricanes, and roofing claims. What many people don’t know is that your roof could actually help you save money on those premiums.
Yes, that’s right. If your roof meets certain criteria—such as material type, shape, and age—you might qualify for valuable homeowners insurance discounts in Florida.
Let’s explore what qualifies and how to take advantage of these hidden savings.
🧱 Impact-Resistant Shingles = Immediate Savings
Insurance companies in Florida are particularly concerned about wind and hail damage. That’s why they reward homeowners who install impact-resistant shingles, sometimes called “Class 4” shingles.
These shingles are designed to:
- Withstand hail impact and flying debris
- Reduce the likelihood of water leaks
- Minimize long-term claims for damage
Installing impact-resistant roofing materials can help you qualify for a wind mitigation discount, potentially saving you hundreds per year.
👉 Pro tip: Ask your roofer to provide certification and documentation for your insurer.
⏳ Roof Age Plays a Big Role
In Florida, many insurers won’t even write or renew policies if your roof is older than 15 years—regardless of its condition. However, newer roofs are seen as less risky and qualify for more competitive rates.
Here’s how roof age affects your premium:
- Roofs under 10 years old often receive maximum discounts
- Roofs over 15 years may trigger higher premiums or policy denial
- A full roof replacement can instantly reduce your insurance rate
👉 Bottom line: New roof = lower risk = lower cost.
🌀 Roof Shape: Yes, It Matters
The shape of your roof may seem like a design choice, but it significantly impacts how well your home handles Florida storms. Insurers know this—and price policies accordingly.
Most common roof shapes and their impact:
- Hip Roof: Slopes on all four sides = best for wind resistance = insurance discounts
- Gable Roof: Two flat sides = more vulnerable to wind = higher premiums
- Flat Roof: Common on older homes = least favorable for insurance discounts
👉 If you’re planning a re-roof, talk to your contractor about modifying your structure to a hip-style for long-term savings.
📝 Wind Mitigation Reports = Real Proof (and Bigger Discounts)
To officially claim these discounts, Florida homeowners must complete a Wind Mitigation Inspection Report. This report evaluates:
- Roof age and shape
- Roof-to-wall connection type (clips, straps, etc.)
- Deck attachment (nails vs. staples)
- Secondary water barriers
The report is typically valid for 5 years and could reduce your premiums by 20–30% depending on the results.
🎯 Final Takeaway
If your roof is new, hip-shaped, and impact-resistant, you may be leaving money on the table if you haven’t submitted a wind mitigation report.
Ready to find out if your roof qualifies for an insurance discount?
Contact The Best Roofs in Orlando for a free roof evaluation and guidance on what upgrades might save you the most.