“Will insurance make me replace my roof?”
Florida’s 15-year rule, explained in 60 seconds — and what inspection you need at 15+ years.
Run the checker →Roof replacement cost in Pasco & Tampa Bay
Shingle, metal and tile ranges by county and roof size. Clearly-labelled estimates from public cost guides.
Use the calculator →Verified roofers — framework
License status, rating and review pace at a glance. Real verified listings coming soon; sample listings are labelled.
Browse the framework →What roofers are charging — price transparency, without the hype
This is a framework for the owner’s public-information research. We do not publish invented roofer-by-roofer prices.
What neighbours typically weigh
- Material + tear-off + underlayment, itemised in writing
- Pitch, stories, decking repairs and code upgrades
- Permit, disposal and warranty — included or extra?
🚩 Red flags
- Price only good “today”, no written scope
- Asks you to sign an Assignment of Benefits (AOB) on day one
- No license number, no permit, cash-only discount
⚠️ Storm price-gouging signs
- Door-knockers right after a storm with out-of-state plates
- “Free roof” promises before any inspection
- Huge jump vs. pre-storm written quotes for the same scope
Placeholder framework only in v1. Specific neighbourhood pricing intel will only be published when it can be sourced and dated — never fabricated.
Pasco storm & permit tracker
Plain-English starting points after a storm — always confirm on the official county pages.
After a storm in Pasco
Document damage (date-stamped photos), prevent further leaks if safe, and check Pasco’s official guidance before signing anything.
Permits
Most re-roofs need a permit. Ask who pulls it, and verify it closes — an open permit can haunt a sale or claim.
Pasco Building Construction / permit gateway (via county post-storm page) →
Hurricane + renewal checklist
- ☐ Roof age + install paperwork found
- ☐ Inspection scheduled if 15+ years (before renewal)
- ☐ Photos of roof, attic and any leaks
- ☐ Policy renewal date on calendar — 90 days out
- ☐ 2–3 written, itemised quotes (not just a total)
Storm & Shingle Brief
One short Pasco email when storm, insurance or pricing news actually matters. No spam, no selling your address in this demo.