New shingle roofs lower risk for insurers. Learn how a new roof can improve your chances of insurance approval and possibly reduce your rates in Florida.

Will a new shingle roof help with insurance approval?

Shingle Roofing FAQs
August 12, 2025•2 min read

Will a New Shingle Roof Help with Insurance Approval?

FAQ:

Will a new shingle roof help me get approved for homeowners insurance in Florida?

Yes. Insurance companies in Florida are more likely to approve homes with newer roofs because they reduce risk from wind, water, and storm damage.

Older roofs—especially over 15 years old—are often flagged by underwriters. A new shingle roof with proper wind mitigation features makes your home a safer bet for insurers.

At Roof Nuts, we install insurance-friendly shingle roofing systems and provide all the documentation needed for underwriting approval, including:

  • Wind mitigation reports

  • Manufacturer warranty information

  • Proof of code-compliant installation

We help you meet current Florida Building Code and insurance underwriting standards, giving you the best chance of approval and possible rate discounts.

What kind of shingles do insurance companies prefer?

Insurers prefer architectural asphalt shingles with:

  • Florida Product Approval

  • Class F or G wind resistance ratings

  • Enhanced fastening systems (like 6 nails per shingle)

These shingles are rated to withstand Florida’s hurricane-prone conditions.

Can a new roof lower my homeowners insurance rate in Florida?

Yes. If your roof meets Florida’s wind mitigation standards, you could qualify for significant discounts. Many insurers offer reduced premiums for:

  • Roofs under 10 years old

  • Secondary water barriers

  • Roof deck attachment upgrades

  • Hip roof geometry (versus gable)

You’ll need a licensed wind mitigation inspection to unlock these discounts.

Does Roof Nuts help with insurance paperwork?

Absolutely. Roof Nuts:

  • Provides wind mitigation forms

  • Supplies proof of materials and installation specs

  • Coordinates with your agent or inspector if needed

We don’t just install—we help you get approved.

How can I know if my current roof is hurting my insurance?

Look for these signs your roof might be a problem:

  • It’s over 15 years old

  • You’ve had recent claim denials or coverage changes

  • The insurer requires an inspection

  • You’re paying high premiums with no discounts

We offer free inspections to assess your roof’s insurance readiness.

Serving These Florida Areas:

Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah, Port St. Lucie, Cape Coral, Tallahassee, Fort Lauderdale, and surrounding areas.

Need help with roof insurance approval?
Call Roof Nuts today at 904-694-3426 for a free shingle roof inspection and insurance assistance.

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