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Palm Beach County Roofing

Palm Beach County Roofing — Licensed Florida GC

Serving Palm Beach Gardens · Jupiter · West Palm Beach · Wellington · Boca Raton · Delray Beach

Everything you need to know about roof replacement, permits, code, and insurance in Palm Beach County — written by a licensed GC who pulls the permits and does the work.

FBC 8th Edition Insurance Age Rules Wind Mitigation Credits County Permit Process
50+Projects Completed
14+Years Experience
CGC1531095Licensed GC
★★★★★5-Star Rated
Family-OwnedEst. 2019

A roof isn't just a construction project in Florida — it's tied directly to your insurance coverage, your HOA standing, and your home's resale value. This eight-part series breaks down the cost, code, permitting, and insurance layers so you know exactly where you stand before you sign a contract.

15Yr Age Triggers Insurance Review
$10KMy Safe FL Home Grant Max
30–50%Wind Mitigation Premium Savings
25%Repair Threshold Under FL Code

Roofing Authority Series

Eight deep-dive guides — read in order or jump to the issue you're facing right now.

Cost & Budgeting

Roof Replacement Cost in Florida (2026)

$5–$9/sq ft for architectural shingle, $10–$20 for metal, $9–$21 for tile. What actually drives your final number, from tear-off to deck repair.

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Guide 01 · Law & Code

Florida's 25% Roof Rule, Explained

A 2022 law quietly changed what storm damage over 25% actually requires. Here's which rule applies to your roof and how to check.

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Guide 02 · Insurance

Roof Age & Insurance Requirements

15 years triggers inspection. 20-25 years can mean non-renewal. The exact thresholds insurers use in Palm Beach County — and what to do before renewal.

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Guide 03 · Insurance Savings

Wind Mitigation Credits & Rebates

Mandatory insurance discounts of 30–50% for verified features, plus a state grant covering up to $10,000 in mitigation work.

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Guide 04 · Permitting

Palm Beach County Roofing Permit Guide

The ePZB process, real fee ranges, required inspections, and what happens when roofing work isn't permitted.

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Guide 05 · HOA & Materials

Tile vs. Shingle: What HOAs Require

Your HOA can't ban hurricane-rated roofing outright — but it can still control how it looks. What Florida law actually allows.

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Guide 06 · Building Code

Wind Uplift & FBC Requirements

What the 8th Edition Florida Building Code actually requires for wind speed design, deck attachment, and product approval here.

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Guide 07 · Local Markets

Jupiter & Palm Beach Gardens Rules

Same county permit process, but HOA review is often the longer step in these two golf-community-heavy markets. What to expect.

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"Every one of these guides is written from field experience — not copied from a manufacturer's brochure. We've sat across from insurance adjusters, we've submitted packages to HOA review boards, and we've pulled permits through the county portal more times than we can count. The reason we publish this information for free is simple: a homeowner who understands the code, the cost, and the insurance picture is a homeowner who can recognize a contractor cutting corners. We want you to know enough to hold us accountable."

— D&Co Homes, Licensed General Contractor · Palm Beach County, FL

People Also Ask

Palm Beach County Roofing Questions — Answered by a Licensed GC

Roof replacement in Florida averages around $25,000 for a typical 1,700–2,000 sq ft home. Architectural shingles run $5–$9 per sq ft ($11,000–$17,000 total), metal roofing runs $10–$20 per sq ft ($19,000–$32,000 total), and tile runs $9–$21 per sq ft ($22,000–$36,000 total). Full breakdown in our Roof Replacement Cost guide.
Florida code limits repairs to 25% of a roof's total area within any 12-month period unless the entire roof is brought to current code. However, a 2022 law (SB 4-D) removed this trigger for roofs permitted under the 2007 Florida Building Code or later — meaning most roofs permitted after March 1, 2009 can be repaired section-by-section regardless of total damage. Full detail in our 25% Rule guide.
Not before 15 years — age alone isn't grounds for non-renewal that early. Between 15 and 20 years, most carriers require an inspection to renew. Citizens Property Insurance specifically requires shingle roofs under 25 years and tile, metal, or concrete roofs under 50 years. Two 2026 bills (SB 808 and HB 815) aim to change this further, but haven't taken effect yet. Full breakdown in our Roof Age & Insurance guide.
A wind mitigation inspection documents hurricane-resistant features of your roof — hip shape, deck attachment, roof-to-wall connections, secondary water barrier, and opening protection. Florida law requires insurers to discount your premium based on verified features, and the combined savings can reach 30–50% of the windstorm portion of your premium. Details in our Wind Mitigation Credits guide.
Yes — the My Safe Florida Home program reimburses up to $10,000 for qualifying roof-to-wall reinforcement, roof-deck attachment strengthening, and secondary water barrier work, with the state contributing $2 for every $1 you spend (or the full amount with no match for qualifying low-income homeowners). Funding runs in cycles and can run out, so applying early matters.
Yes. Nearly all roofing work beyond minor cosmetic repair requires a permit through Palm Beach County's ePZB portal. Fees typically run $200–$800, processing takes 1–3 weeks, and the project requires at least a dry-in inspection and a final inspection. Full process in our Permit Guide.
Not outright. Florida House Bill 293 (2024) prohibits HOAs from denying hurricane-rated roofing that meets the association's adopted specifications and current code. Your HOA can still regulate appearance — color, panel profile, how it fits the community — but the standard has to be clearly documented in the association's governing rules, not improvised. Details in our Tile vs. Shingle & HOA guide.
No. The High-Velocity Hurricane Zone (HVHZ) applies only to Broward and Miami-Dade counties, which require the stricter Miami-Dade Notice of Acceptance (NOA) for roofing products. Palm Beach County is a wind-borne debris region under standard Florida Product Approval — still elevated wind design requirements, but a different standard than HVHZ. Full detail in our Wind Uplift & Code guide.
The Florida Building Code, 8th Edition, took effect December 31, 2023, and remains the enforced standard statewide through 2026. It governs wind speed design, deck attachment, fastener schedules, and energy code requirements for every roofing permit issued in Florida.
Yes — these are two of our most active markets. Both follow the same Palm Beach County permit process, but have a high concentration of HOA and gated golf communities where architectural review, not the county permit, is often the longer step. We prepare complete submittal packages up front to keep that step moving. Details in our Jupiter & Palm Beach Gardens guide.

Client Reviews

What Palm Beach County homeowners say about roofing with D&Co

Real experiences from homeowners who trusted a licensed GC with their roof.

★★★★★

"Our insurance company sent a non-renewal notice because our roof was 17 years old. D&Co walked us through the numbers, got us a wind mitigation inspection scheduled, and we ended up replacing before we lost coverage entirely."

L

Linda K.

Palm Beach Gardens, FL · Full Replacement

★★★★★

"I didn't know the My Safe Florida Home grant existed until D&Co brought it up. Our out-of-pocket cost was a fraction of what I'd budgeted, and the permit and inspections went smoothly."

D

David R.

Jupiter, FL · Roof-to-Wall Reinforcement

★★★★★

"Our HOA has strict rules about roof appearance and I was worried a metal roof wouldn't get approved. D&Co helped us put together the submittal and we got approved on the first pass."

T

Thomas B.

Palm Beach Gardens, FL · HOA Approval

🛡️

Our Promise Before You Commit

We model the full picture — code compliance, permit requirements, and insurance impact — before you sign anything. No surprises at inspection, no hidden fees mid-project. Our license is public record: CGC1531095. Verify it anytime at the Florida DBPR. We're not going anywhere.

Licensed General Contractor · Palm Beach County

Ready to Talk About Your Roof?

We offer a no-cost roof assessment for Palm Beach County properties — condition, code compliance, and insurance impact reviewed before you spend a dollar.

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