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How Installing a New Roof in Florida Can Reduce Your Homeowner's Insurance

May , 2024 | 7 min. read

By Cassie Findley

Old Florida home

Good ol’ Florida, the land of sunshine, sandy beaches, and... outrageous homeowners insurance premiums. Yep, you heard it right! While we Floridians enjoy our fair share of palm trees and fashionable flip-flops year-round, we also enjoy dealing with the peculiarities of home insurance in the Sunshine State. It's like a rollercoaster ride, but instead of exhilarating loops and drops, we navigate through hurricane deductibles and flood-related claims.

Did I damper the mood? Sorry. At RoofCrafters, we’re your trusted neighborhood roofing company, and you can bet on us to tell you how it is. We’ve been in the roofing game for 30 years and have seen over the past three decades how homeowner’s insurance premiums affect our clients and even our very own homes.

That’s right, we roofing professionals go through the same trials and tribulations as you fine folk!

The Florida Homeowner's Dilemma: High Insurance and Roofing Concerns


While we try to focus on the bright side that beautiful Florida brings us such as the delicious cuisine and all southern hospitality has to offer, it doesn’t change the fact that homeowner’s insurance premiums can be downright ridiculous at times. That being said, if you’re reading this article, you probably have a few questions about your very own policy.

written insurance policy

It’s a good thing you’re here, because, in a few short moments, the sarcasm with cease (no promises), and you’ll learn what exactly a homeowner’s insurance premium is if getting a newly installed roof can help lower it, and what your next steps should be. Without further ado, we’re off into the wonderful world of insurance!

Decoding Homeowner's Insurance Premiums in Florida


Insurance coverage refers to the premium factors you pay to an insurance company for insuring your home and its contents. It is typically paid annually or every month. The premium amount is determined by performing a risk assessment. They'll look at the property location, the value of your home and its contents, the age and condition of your home, and your claims history.


Insurance companies assess the risk associated with insuring your home and calculate the premium accordingly. Higher-risk factors, such as living in an area prone to natural disasters or having a history of frequent claims, may result in a higher premium.

Home with a magnifying glass and a piggybank on a table depicting discovery and savings

It's essential to review the coverage limits, deductibles, and exclusions in your homeowner's insurance policy to ensure you understand what is covered and what isn't. Additionally, periodically reassessing your coverage needs and comparing quotes from different insurance providers can help you find the best premium rate for your specific circumstances.

How a New Roof Lowers Your Homeowner's Insurance in Florida


roofing upgrades, insurance discounts, roof material benefits, wind-resistant roofingroofing upgrades, insurance discounts, roof material benefits, wind-resistant roofingroofing upgrades, insurance discounts, roof material benefits, wind-resistant roofing
roofing upgrades, insurance discounts, roof material benefits, wind-resistant roofing

Installing a new roof in Florida can lower your homeowner's insurance premium. The reason is that insurance companies consider the condition of your roof when determining the risk associated with insuring your home. A newer roof is generally more wind-resistant and other acts of nature such as hail. Which can reduce the likelihood of water damage to the inside of your home.

roof leak on the inside of a home

Insurance companies may offer discounts or lower premiums for homes with newer roofs because they perceive them as less risky to insure. The specific impact of your premium will depend on various factors, including the insurance provider, the age of your previous roof, the materials used for the new roof, and any additional protective measures the new roof may have, such as impact-resistant shingles.

Stucco home with cultured stone and GAF charcoal shingles

To determine the potential savings, it is advisable to contact your insurance provider directly and inquire about the impact of a new roof on your premium. They can provide you with specific details and any discounts for secondary waterproofing or upgraded roofing materials. It's worth noting that insurance policies and regulations can vary, so speaking with your insurance agent or representative will give you the most accurate information for your particular situation.

Proven Strategies to Minimize Your Homeowner's Insurance Premiums


My fellow Florida residents have several options to lower their homeowner's insurance premiums. Some of which we previously mentioned would be adding secondary waterproofing better known as ice and water shield underlayment to the entire roof before installing the new roofing.

ice and water shield underlayment on a new construction home

Many insurance providers offer as much as a 27% annual discount for secondary waterproofing. Also, some offer up to 10% for providing a wind-mitigation report, which proves necessary actions were taken to secure the decking and flashings during the roof replacement.


Here are some things you may want to consider:


Strengthen Your Home's Structure: Reinforcing your home against natural disasters can reduce the risk of damage and lower your premium. Install hurricane shutters, clips, impact-resistant windows, and roof reinforcements that meet current building codes. Additionally, consider upgrading your plumbing, and electrical systems, as these improvements may qualify you for discounts.


Increase Deductibles: A deductible is the amount you must pay out of pocket before your insurance coverage kicks in. By choosing a higher deductible, you assume more risk, which can result in a lower premium. However, ensure you can comfortably afford the deductible amount selected in the event of a claim.

Bundle Policies: Many insurance companies offer discounts for bundling multiple insurance policies, such as homeowners, auto, and umbrella coverage. Consolidating your policies with one insurer can lead to significant savings on your premiums.

Maintain a Good Claims History: Insurance companies consider your claims history when determining premiums. By maintaining a low number of claims or a claim-free record, you demonstrate that you are a lower-risk policyholder, potentially leading to lower premiums.

Shop Around and Compare Quotes: Insurance rates can vary significantly between providers. Take the time to shop around and obtain quotes from multiple insurance companies. Compare coverage limits, deductibles, exclusions, and discounts to find the best policy and premium that meets your needs.

Consider Flood Insurance: Florida is prone to flooding, and standard homeowners insurance policies typically do not cover flood damage. Adding a separate flood insurance policy can provide coverage for flood-related losses and protect your home and belongings. Depending on your location and flood risk, having flood insurance may be a requirement or can potentially lower your overall premium by reducing the flood risk component in your homeowner's insurance.

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Remember, while these strategies can help lower your homeowner's insurance premium, it's crucial to balance cost savings and maintain adequate coverage for your home and possessions. It's always recommended to discuss your specific situation and coverage needs with your insurance agent or representative to ensure you're making informed decisions. 

Is a New Roof a Worthwhile Investment for Lowering Insurance Costs in Florida?


As you now know, homeowners insurance premiums in Florida can be a rather unique experience, for lack of a better word. With the state's susceptibility to hurricanes, floods, and folks filing claims when there is no damage!  Insurance rates and carriers going bankrupt often reflect the associated risks. However, by taking proactive measures such as reinforcing your roof, increasing deductibles, and bundling policies, Florida residents have options and ways to lower their premiums.

So, while the Florida homeowners insurance premium journey may have its twists and turns, with a cost-benefit analysis of new roofing or other strategic home upgrades, homeowners can find the right balance between protection and affordability in the Sunshine State.

If you’re considering installing a new roof or making any roof repairs to help aid you in lowering-homeowner’s-insurance-premium, be sure to hit the schedule my inspection button below. One of our experienced customer service representatives will schedule your estimate at your earliest convenience, and from there, you can sit back and relax; we'll use our experience to help you save as much cash as we can, my friend. 

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Cassie Findley

My name is Cassie, and I’m the Content Manager here at RoofCrafters. I was born and raised in Chicago, Illinois, and made my way out to Florida post-college graduation. I’m incredibly passionate about writing and creating valuable content that helps others with the collaboration of my marketing team. When I’m not working, I enjoy shopping (a little too much), spending time at the beach, and reading!