We are following CDC guidelines so that we can continue to serve our customers safely. We will continue to remain open.

How Hurricane Windows Can Lower Your Insurance Premium in Florida (And By How Much)

Florida homeowners pay the nation’s highest property-insurance rates, and premiums keep climbing as storms grow stronger and insurers exit the market. If you feel squeezed by annual bills that top $3,000—or far more along the coast—hurricane windows may be the rare upgrade that secures your home and takes pressure off your wallet at the same time.

Why Insurers Reward Impact-Rated Windows

When a window fails, wind and rain rush inside, pressurize the structure, and often lift the roof. Impact-rated glass, laminated interlayers, and reinforced frames keep that breach from happening, so insurers see fewer catastrophic claims. Florida law encourages this investment; it requires carriers to offer premium credits for opening-protection systems that meet or exceed the current Florida Building Code. The credits are tiered, and hurricane windows qualify for some of the largest available offsets. 

How Much Do Hurricane Windows Save on Insurance?

Discounts vary by county, carrier, house age, and the share of the premium tied to wind coverage, but published data and carrier filings show consistent ranges:

  • 10 – 30 percent off the windstorm portion in most of the state, translating to roughly $240 – $900 a year on a $3,000 policy.

  • Up to 45 percent in high-risk coastal zones such as Miami-Dade and Broward when windows are combined with other wind-mitigation features.

A Quick Example

  1. Current annual premium: $3,200

  2. Windstorm share of premium: 65 % → $2,080

  3. Qualify for a 25 % credit after installing impact windows: $520 saved per year

  4. Over a 30-year window lifespan: $15,600 in avoided premiums—often enough to cover most or all of the installation cost.

(Actual percentages come from the insurer’s rate filing; ask your agent for your policy’s wind split before you run the numbers!)

hand holding several dollar bills

The Path to Getting Your Discount

  1. Choose certified windows

  2. Hire a licensed installer

    • Improper anchoring can nullify both the product warranty and the insurance credit. FHIA Remodeling’s factory-trained crews install thousands of hurricane windows and doors every year, ensuring each unit meets code and manufacturer specifications.

  3. Schedule a wind-mitigation inspection

    • A licensed inspector fills out Florida’s Uniform Mitigation Verification Form. The report is valid for five years and documents the new opening protection.

  4. Send the report to your carrier

    • Most insurers apply credits at the next billing cycle; a few issue a prorated refund.

  5. Keep your paperwork

    • Maintain receipts, NOA sheets, and permits so future buyers, adjusters, or inspectors can verify the upgrade.

Beyond Premium Cuts: Extra Financial Upside

  • Energy Savings — Impact windows add multiple panes and low-E coatings that slash cooling costs, an everyday win in Florida’s long summers.

  • Resale Value — Florida real-estate agents report up to 5 percent higher selling prices for homes that advertise hurricane protection.

  • Lower Deductibles — Because the likelihood of a glazing breach drops, some carriers let policyholders choose a smaller windstorm deductible after the upgrade.

  • Storm Peace of Mind — No more scrambling to nail up plywood or haul heavy shutters out of storage when a hurricane watch is issued.

miami beach coastline

Common Questions Floridians Ask

Do hurricane windows lower insurance?
Yes—carriers must file wind-mitigation credit schedules with the state, and opening protection is a core credit category.

How much do hurricane windows save on insurance?
Plan on 10 – 30 percent statewide, and up to the mid-40s along the coast if other mitigation steps (roof-to-wall straps, secondary water barrier) are already in place.

What about doors?
An unprotected patio door is considered the “weakest opening,” which can disqualify you from top-tier credits. FHIA Remodeling installs hurricane-impact doors that match the performance of your new windows so you capture the largest possible discount.

Will any impact window qualify?
Only products tested and labeled for the required design-pressure zone count. Check for Large-Missile impact approval if you live in a High-Velocity Hurricane Zone (Miami-Dade or Broward).

Why FHIA Remodeling Is Florida’s Window Partner

With more than 100,000 Florida customers served, FHIA Remodeling is the state’s #1 residential remodeler and among the top three nationwide. Every hurricane window and door is custom-sized, built in the U.S., and backed by a limited lifetime warranty that includes glass breakage. Financing plans make monthly payments manageable, and FHIA’s project consultants provide the documentation your carrier needs to apply wind-mitigation credits quickly.

Take Control of Your Premiums Today

Property insurance costs will keep shifting with every storm season, but you can lock in significant savings by fortifying your openings now. Impact-rated hurricane windows installed by FHIA Remodeling reduce the odds of catastrophic damage, earn some of Florida’s highest wind-mitigation credits, and add comfort and value every day the sun is shining. Schedule a free in-home consultation, and find out exactly how much you could save this year—and every year after.

Are Hurricane Windows Required in Florida? (2025 Update)

Florida’s building codes are among the strictest in the country when it comes to hurricane protection. If you’re planning to replace your windows—or build a new home—understanding the rules around impact-resistant windows is critical for staying compliant and keeping your home and family safe.

What Are Hurricane Impact Windows?

Hurricane impact windows are designed to withstand the high winds and flying debris common in Florida’s tropical storms and hurricanes. These windows are typically made with laminated glass, which sandwiches a durable interlayer (usually PVB or SGP) between two panes of glass. Even if the outer layer cracks, the interlayer keeps the window intact and prevents dangerous shards or breach.

Impact windows may also feature strong frames (usually aluminum, vinyl, or composite), reinforced hardware, and tested seals to hold up under pressure.

Do All Florida Homes Need Impact Windows?

Not necessarily—but many do. Florida’s 8th Edition Building Code (2023) mandates that homes in designated Wind-Borne Debris Regions (WBDRs) must have either:

  1. Impact-resistant windows, or

  2. Approved hurricane shutters to protect standard windows

If you live in a coastal area or anywhere the basic wind speed reaches 140 mph or higher, your home likely falls within a WBDR.

In High Velocity Hurricane Zones (HVHZ)—which include Miami-Dade and Broward Counties—impact windows or hurricane-approved shutters are required by code for all new construction and many renovation projects.

Testing Standards for Compliance

To ensure hurricane windows perform under pressure, Florida recognizes specific product testing protocols. The most common and trusted certifications include:

  • ASTM E1886/E1996: This national standard simulates flying debris followed by high wind pressure cycles.

  • Miami-Dade TAS 201, 202, and 203: These are regional test protocols with stricter criteria, required for HVHZ approval.

Products that pass these tests are labeled as impact-rated and are typically included in the Florida Product Approval database or have a Miami-Dade Notice of Acceptance (NOA).

hurricane shutters

Can I Use Shutters Instead?

Yes—shutters are a code-compliant alternative to impact windows. Approved options include:

  • Roll-down shutters

  • Accordion shutters

  • Storm panels

These must be permanently installed and must also pass ASTM or TAS impact tests to qualify. Temporary solutions like plywood are only allowed during emergencies and are not acceptable as a permanent installation.

Why Not Just Stick With Shutters?

While shutters offer protection, impact windows provide continuous, always-on defense without needing last-minute setup. Other benefits include:

  • Enhanced energy efficiency

  • Improved sound insulation

  • Better UV protection

  • Increased resale value

They also qualify many Florida homeowners for insurance premium discounts, especially with a certified wind mitigation inspection.

Hurricane on a Florida coastline

The Bottom Line: Are Impact Windows Required?

  • Yes, if you’re in an HVHZ (Miami-Dade, Broward)

  • Yes, if you’re in a WBDR and not using code-approved shutters

  • No, if you’re outside a WBDR or using compliant shutters instead

To determine your exact requirements, check your property’s location using the Florida Building Code Wind Maps or consult your local building department.

Work with a Florida-Based Expert

If you’re unsure whether your home needs hurricane impact windows—or what products are approved for your county—work with a contractor who understands Florida’s building code inside and out. FHIA Remodeling has helped over 100,000 homeowners across the state install compliant, stylish, and storm-resistant window solutions.

Contact us today to schedule a free consultation and find out whether hurricane impact windows are right for your home.

Impact Glass vs. Tempered Glass: Which One Does Your Home Need?

When it comes to protecting your home from extreme weather, choosing the right type of glass for your windows and doors is crucial. Homeowners in hurricane-prone areas often ask: Is tempered glass impact resistant? Or, is tempered glass hurricane proof? While both tempered glass and impact glass are stronger than standard glass, they serve different purposes and offer different levels of protection.

Understanding impact glass and tempered glass will help you determine the best option for your home. In this guide, we’ll break down the key differences, explain their advantages, and help you decide whether hurricane resistant glass is the right investment for your property.

What Is Tempered Glass?

Tempered glass is a type of safety glass that is about four times stronger than standard glass. It undergoes a heat-treatment process, where it is rapidly cooled after being heated to high temperatures. This process strengthens the glass, making it more resistant to impacts and temperature fluctuations.

One of the biggest benefits of tempered glass is how it breaks. Unlike standard glass, which shatters into sharp, jagged pieces, tempered glass crumbles into small, blunt pieces. This makes it a safer option for windows, doors, and shower enclosures, reducing the risk of injury if the glass breaks.

Is Tempered Glass Impact Resistant?

While tempered glass is much stronger than regular glass, it is not truly impact resistant in the way that hurricane resistant glass is. If struck with enough force—such as flying debris during a hurricane—tempered glass can still shatter.

Is Tempered Glass Hurricane Proof?

Despite being stronger than standard glass, tempered glass is not hurricane-proof. It can withstand minor impacts and temperature changes better than regular glass, but it is not designed to endure the high winds and debris associated with hurricanes.

For homeowners in hurricane-prone regions like Florida, impact glass is a better option for storm protection. Learn more about Florida’s window code requirements to ensure your home meets local safety standards.

old broken windows

What Is Impact Glass?

Impact glass, also known as hurricane resistant glass, is specially designed to withstand extreme weather conditions. It is made by bonding multiple layers of glass with a strong, clear interlayer—usually polyvinyl butyral (PVB) or ethylene-vinyl acetate (EVA). This interlayer holds the glass together even if it cracks, preventing dangerous shards from flying into your home.

Benefits of Impact Glass

Unlike tempered glass, impact glass is built to withstand direct impacts from flying debris, strong winds, and even break-in attempts. Its durability makes it a top choice for homeowners looking for long-term security and storm protection.

  • Hurricane Protection: Impact glass is specifically designed to meet Florida’s building codes for hurricane resistance.
  • Increased Security: Because impact glass doesn’t shatter easily, it acts as a deterrent against burglars.
  • Noise Reduction: The multiple layers of impact glass help block out noise, making your home quieter.
  • UV Protection: Impact glass can block harmful UV rays, preventing furniture and flooring from fading over time.

Impact Glass vs. Tempered Glass: Side-by-Side Comparison

Feature Tempered Glass Impact Glass
Strength 4x stronger than regular glass Multi-layered for extreme durability
Breakage Shatters into small, blunt pieces Cracks but stays intact due to interlayer
Impact Resistance Can withstand minor impacts Can withstand hurricane-force winds and debris
Hurricane Protection Not hurricane-proof Meets Florida hurricane codes
Security Provides some safety but can be broken Harder to break, improving home security
UV & Noise Reduction No additional benefits Blocks UV rays and reduces noise

When to Choose Tempered Glass

Tempered glass is ideal for homeowners who need a stronger, safer alternative to standard glass but don’t necessarily need hurricane protection. It works well for:

  • Interior applications, such as shower doors and glass railings.
  • Standard windows and doors in areas not exposed to hurricanes.
  • Automotive glass, such as car windows and windshields.

However, if you live in a hurricane-prone area, tempered glass alone is not enough to protect your home.

When to Choose Impact Glass

If you live in Florida or another coastal area where hurricanes are a concern, impact glass is the best choice for windows and doors. Impact glass is commonly used in:

Flood street during a Florida hurricane

How to Upgrade to Impact Windows and Doors

If you’re considering hurricane resistant glass for your home, working with a professional installer is essential. FHIA Remodeling specializes in high-quality impact windows and doors that provide superior storm protection while enhancing your home’s security and energy efficiency.

In Conclusion: Which One Does Your Home Need?

When deciding between impact glass vs. tempered glass, it all comes down to your location and security needs.

  • If you live in a hurricane-prone area, impact glass is the best option for storm protection and home security.
  • If you need a safer alternative to regular glass but don’t require hurricane resistance, tempered glass is a suitable option for interior and non-coastal applications.

If you’re ready to upgrade your home’s protection, FHIA Remodeling offers high-quality impact windows and doors that meet Florida’s strict building codes. Contact us today to schedule a consultation and keep your home safe from storms, break-ins, and everyday wear and tear.

How to Prepare Your Windows for Hurricane Season

Hurricane season brings powerful winds, torrential rains, and flying debris that can threaten your family’s safety and damage your property. For Florida homeowners, preparation is the key to minimizing risks and ensuring peace of mind. Among the most vulnerable areas of your home are its windows, doors, and roof — critical components that bear the brunt of the storm.

You can shield your house and loved ones from the worst of nature through impact-resistant windows and doors, along with a sturdy roof. Making your home storm-ready starts with knowing how to strengthen it.

How to Assess Your Home’s Vulnerabilities

Every house has its weak points, and identifying yours is the first step toward better protection. From hurricane windows and doors to your roof and foundation, a comprehensive check can reveal areas that need improvement.

Inspect Windows and Doors

Have you checked your storm windows and doors lately? Over time, Florida’s heat and humidity can weaken the seals around them. Cracked or brittle seals are an open invitation for water and wind to enter your home. To prevent this, inspect every window and door for wear and tear. 

Replacing old seals with fresh, durable ones can make a world of difference. If you’re still relying on standard glass windows, now’s the time to think about upgrading to hurricane windows. These feature laminated impact-resistant glass that stays intact even when struck by debris.

Evaluate Roof Stability

Can your roof withstand a hurricane? Missing shingles, granule loss, or clogged gutters can spell disaster. Addressing these issues now could save you thousands of dollars later. Schedule a roof inspection with a professional contractor to ensure everything is up to code and ready for anything that comes Florida’s way.

Don’t Forget the Foundation

Cracks in your home’s foundation are another often overlooked vulnerability. Water can seep into these cracks during heavy rain, causing damage that weakens your home’s structure. Seal these gaps with high-grade caulking to keep water at bay.

Florida home

Upgrading Windows and Doors

As we have mentioned, your windows and doors are potential weak spots during a hurricane. Investing in high-quality options can give you the protection you need.

Impact-Resistant Windows

Impact windows are specifically engineered to handle the challenges of Florida’s hurricane season. With laminated impact glass and reinforced frames, they resist flying debris and strong winds. These solutions also reduce outside noise, block harmful UV rays, and may even lower your homeowner’s insurance premiums. 

Pro tip: If you’re on the fence about going all in with impact windows, you might want to start with the most vulnerable areas. Sliding and large-picture windows are great candidates for impact-resistant upgrades.

Resistant Doors for Added Safety

How much protection can you expect from your doors? Unfortunately, standard doors are a mismatch for hurricane-force winds. Reinforced doors, made with impact-resistant materials, though, are designed specifically to withstand strong gusts and flying objects. Sliding glass doors, commonly found in Florida homes, should also be upgraded to impact glass for maximum safety.

Temporary Solutions: Hurricane Shutters

If replacing all your windows and doors isn’t an option at the moment, hurricane shutters offer a cost-effective alternative. Accordion shutters, roll-down shutters, or even fabric panels can provide short-term protection.

Just a little caveat: storm shutters require installation and don’t offer the convenience of year-round readiness like impact windows do.

Steps to Reinforce Roof Stability

Your roof serves as your first line of defense during a hurricane. Putting roof maintenance and upgrades on the back burner can result in severe damage and leave you vulnerable to water intrusion and structural compromise. In short: a well-maintained, reinforced roof is an absolute necessity in the state of Florida.

Florida home

Strengthen Your Shingles

Your shingles protect the structural integrity of your home. Loose, cracked, or missing shingles form weak spots where wind and water can seep through and cause devastating damage. Hurricane-rated shingles are engineered specifically for the extreme conditions of a category 5 hurricane. They withstand winds of up to 155 mph or higher.

Benefits of investing in hurricane-rated shingles:

  • Durability: They are thicker and more resilient than standard shingles, often made with polymer-modified asphalt.
  • Waterproofing: These often come with advanced sealants that prevent water from seeping underneath.
  • Wind resistance: Many hurricane-rated shingles feature interlocking tabs or adhesive strips to ensure they remain securely attached to the roof deck.

Reinforce Flashing and Roof Edges

Roof edges and flashing are among the most vulnerable parts of your roof. High winds can easily peel back poorly secured flashing. Use high-quality materials, such as corrosion-resistant metal flashing, to reinforce these areas. Secure the flashing with nails and sealant to prevent it from lifting during a storm.

Roof edges can be further fortified by installing a drip edge, which not only stabilizes shingles but also directs rainwater away from the fascia and foundation.

Anchor the Roof to the Structure

One of the most critical yet often overlooked upgrades is anchoring your roof to your home’s structure. Hurricane straps or clips made from galvanized steel secure the roof trusses or rafters to the walls of the house, reducing the likelihood of roof uplift during a storm. 

Professional contractors can also evaluate your roof’s current attachment system and recommend upgrades. 

Keep Gutters Clear

Blocked gutters can cause water to pool on your roof, increasing the risk of leaks, sagging, and even collapse. Over time, leaves, twigs, and dirt accumulate and reduce their capacity to guide water away from your home effectively.

Roof shingles deflecting water

Here’s how you can keep your gutters hurricane-ready:

  1. Clean regularly: Remove debris at least twice a year, with an additional cleaning before hurricane season.
  2. Install gutter guards: These prevent large debris from entering the gutters while allowing water to flow freely.
  3. Inspect for damage: Check for sagging sections, loose brackets, or rusted areas. Address these issues promptly to ensure the system functions optimally.

Additionally, ensure your downspouts are directed at least six feet away from your foundation to minimize the risk of water pooling near your home’s base.

Strengthen Soffits and Eaves

The soffits and eaves of your roof are overlooked weak points during a hurricane. Strong winds can easily rip off soffit panels, exposing the rafters and allowing water to infiltrate your attic. You can reinforce these areas by:

  • Securing soffit panels with stainless steel screws
  • Adding a bead of waterproof sealant where the panels meet the walls
  • Installing vent covers to prevent wind-driven rain from entering

Professional Help for a Hurricane-Ready Roof

Roof inspections and reinforcements are best left to professionals who can identify potentially vulnerable areas that might escape the untrained eye. Certified contractors will assess the condition of your shingles, flashing, gutters, and overall structure to recommend affordable, high-impact solutions. Moreover, pros can also verify if your roof meets Florida’s hurricane building codes.

Outdoor Preparations to Reduce Hurricane Risks

Preparing your yard is as important as fortifying your home’s structure. The area surrounding your home can either serve as a protective barrier or a source of additional hazards during a hurricane.

Aerial view of a Florida home with a pool

Clear Away Potential Projectiles

The smallest objects can cause damage when hurled at your home by hurricane-force winds. Loose yard furniture, garden tools, potted plants, and children’s toys can become airborne, breaking windows or damaging siding. To prevent this:

  • Store items in a garage, shed, or other enclosed space
  • Use heavy-duty storage bins for smaller objects that cannot be brought indoors
  • Trim tree branches that overhang your roof or are close to hurricane windows to minimize the risk of them snapping off and causing damage

Secure Outdoor Structures

Larger outdoor features, such as gazebos, pergolas, and sheds, require extra attention. These structures are prone to tipping over or collapsing in strong winds unless properly anchored. Secure them with:

  • Ground anchors: These can be installed into the ground and attached to the structure with cables or straps.
  • Heavy-duty straps: Reinforce beams and joints to ensure the structure remains intact.
  • Additional bolts: Tighten or add bolts to stabilize connections.

Address Landscaping Hazards

Replace heavy gravel or stones with lighter mulch, which is less likely to cause damage if displaced by wind. For trees, go for wind-resistant species with deep root systems, and make sure all plants are pruned and well-maintained to reduce uprooting risk.

Emergency Essentials for Hurricane Season

You can’t control the weather, but you can control how prepared you are for what nature throws at you. Stocking up on emergency supplies and planning ahead can make a challenging situation more manageable.

first aid kit

Create a Hurricane Kit

A well-prepared hurricane kit is a lifesaver. When making one, always assume there will be no wifi/internet, no reception, power, water, food, or even sources of heat. Here’s what you’ll need:

Food and Water

Stock at least three days’ worth of food and water for each family member. Non-perishable items like canned goods, protein bars, and dried fruits are best. Don’t forget a manual can opener. For water, aim for one gallon per person per day for drinking and basic hygiene. If you have pets, pack extra food and water for them, too. 

Medical Supplies

Your kit should include a fully stocked first-aid kit with items like bandages, antiseptic wipes, gauze, and adhesive tape. Include prescription medications, making sure you have enough for at least a week. Then, also consider stocking up on pain relievers, antihistamines, and antibiotic ointments. For families with specific health needs, such as asthma or severe allergies, pack extra inhalers or EpiPens.

assortment of pills and vitamins

Tools and Lighting

Your phone’s flashlight isn’t as reliable as actual flashlights in an emergency. Pack extra batteries to ensure they stay functional. A multi-tool or pocket knife can help with basic tasks like opening packages, cutting rope or wires, or making emergency repairs. If you can get your hands on one, a portable radio to stay informed about weather updates if other communication methods fail.

Documents and Cash

Store critical documents like insurance policies, IDs, and medical records in a watertight bag. Have some cash in small denominations since card machines may be unavailable during power outages. Having a well-rounded kit ensures you’re ready for any emergency, giving you peace of mind during hurricane season.

Backup Power

Long power outages are common during hurricanes. Investing in a whole-home generator ensures you won’t be left in the dark. For smaller budgets, a portable generator can keep essential appliances running, like your refrigerator and phone charger.

Do you know how to shut off your utilities in an emergency? Practice these steps now so you’re ready when the time comes. Establish a family communication plan to keep everyone informed during a storm.

Insurance and Long-Term Planning for Hurricane Readiness

Man checking insurance documents

Hurricane preparation doesn’t end with securing your home; protecting the future of your finances is just as important. A comprehensive insurance policy and smart financial planning ensure you’re ready for both the storm and its aftermath.

Check Your Insurance Coverage

Get started by reviewing your homeowner’s insurance policy. While wind damage is often covered, flood damage usually requires a separate policy. Always confirm your deductible. Many Florida policies include a hurricane-specific deductible, a percentage of your home’s insured value. 

Finally, if you’ve made upgrades like installing impact windows or reinforced roofing, notify your insurer, as these may qualify you for discounts. Document your belongings with photos and receipts to streamline the claims process. 

Financing Home Improvements

Hurricane-resistant upgrades can be expensive, but programs like Florida PACE make them accessible. The PACE program allows you to finance impact-resistant windows, roof reinforcements, and other upgrades through property tax assessments — with no upfront costs.

If you don’t qualify, reputable contractors like FHIA provide financing options for home improvements as well. 

FHIA Remodeling installer on the job

Bottom Line

Hurricane season doesn’t have to mean stress and uncertainty. FHIA Remodeling is here to make all the critical upgrades to your windows, doors, and roofs easier. From expert guidance on selecting the best hurricane solutions to flexible financing options tailored for Florida homeowners, we offer the support you need to build confidence in your home’s resilience.

Don’t leave your house’s safety to chance. Trust FHIA Remodeling to help you weather the storm — schedule your free consultation today.

FAQ

How soon before a storm should I begin preparations?

Start preparing for hurricane season at least one month in advance. Secure impact-resistant windows and doors, inspect your roof, clear gutters, and create an emergency kit. When a storm is imminent, finalize preparations 72 hours before impact.

What should I include in an emergency hurricane kit?

An emergency hurricane kit should include water (one gallon per person per day), non-perishable food, flashlights, batteries, a first-aid kit, medications, important documents, cash, phone chargers, hygiene products, a multi-tool, and a portable radio. Don’t forget supplies for pets and a backup power source if possible.

What are the most vulnerable parts of a home during a hurricane?

The most vulnerable parts are windows, doors, and the roof. High winds can shatter windows, break doors, and lift roofs without proper reinforcement. Secure these areas with impact-resistant materials, hurricane straps, and reinforced seals.

Will a Category 3 hurricane break windows?

Yes, a Category 3 hurricane (111–129 mph winds) can break standard windows through flying debris or wind pressure. Upgrading to hurricane windows prevents shattering and provides essential protection for your home during such storms.

How to build a house to withstand a Category 5 hurricane?

To withstand a Category 5 hurricane, use impact-resistant windows, reinforced concrete walls, hurricane straps for roof anchoring, and wind-rated doors. Building codes in hurricane-prone areas like Florida offer guidelines for storm-resilient construction.

Roof Replacement Costs: Overview of Factors

How much does roof replacement cost in 2025? The average roof replacement cost in the U.S. can vary widely depending on materials, labor, and location. While this may feel overwhelming, understanding what drives these costs can help you plan smarter and save money in the long run.

Roofing replacement is always an investment; knowing what to expect can make the process much easier. Our roofing company, FHIA Remodeling, has helped countless homeowners navigate roof replacements, delivering reasonable costs with exceptional quality. From materials and labor to local regulations, we’ll break down the factors that impact costs and share tips to save without cutting corners.

Let’s make sure you’re prepared to make confident, financially smart decisions for your home upgrade.

Factors That Affect Roof Replacement Cost

Several factors affect a state’s average roof replacement cost, including materials, size, complexity, location, and additional considerations.

Material

The choice of roofing material has one of the most significant impacts on cost. Here’s a breakdown of what most people use:

  • Metal roofing: Long-lasting and energy-efficient.
  • Slate tiles: Luxurious and durable.
  • Wood shake: Attractive but high-maintenance.
  • Clay tiles: Energy-efficient and fire-resistant.
  • Asphalt shingles: Affordable, durable, and widely used.

Size (Square Foot)

Roof size directly impacts material and labor costs of roofing replacement. The costs further become varied if you consider a replacement for a single-story home and a two-story home.

Roof Complexity

If your roof has steep slopes or unique features like dormers or skylights, you’re looking at a more involved (and costly) replacement process. A top with multiple angles or levels requires specialized labor and safety equipment, adding to the time and expense.

For example, in many Florida homes, steep roofs are common to improve rain runoff, but they also demand more roof installation experts and additional materials. If your home has these features, expect to pay up to 20% more compared to a simpler design. It’s an investment in getting the job done right and safely.

State (Local Laws and Contractor Proposals)

Where you live can make a big difference in roof replacement costs. In Florida, strict building codes require roofs to handle hurricanes and high winds. Updates in the 7th Edition added tougher standards for underlayment and wind resistance, which means higher costs.

In Colorado, things are a bit different. There’s no statewide building code, so regulations vary by city. This often leads to higher costs. Local labor rates also make a difference; urban areas with higher living costs tend to charge more.

Time of Year and Urgency

Contractors are busiest in the summer and fall, which means higher prices and longer waits. Scheduling your project in the winter or early spring can help you save money and get faster service. However, if your top needs emergency repairs after a storm, costs can skyrocket due to the urgent demand and premium fees for quick service.

Additional Costs to Consider

  • Permits and inspections: These are required in most areas and can cost between $120 and $500, ensuring your new roofing replacement meets local codes.
  • Old roof removal: Tearing off the old roof can cost $1,000 to $1,500, especially if there are multiple layers.
  • Structural repairs: Hidden issues, like wood rot or pest damage, can add anywhere from $1,000 to $10,000. These repairs are crucial for the long-term integrity of your roof and home.

Where Can You Save Money on Roof Replacement?

There are smart ways to reduce costs during roofing replacement without sacrificing quality. As we have mentioned, scheduling the work during off-peak seasons, like winter or early spring, can often lower labor costs because demand is lower.

Another cost-saving option is carefully selecting materials. While high-end choices like slate offer premium appeal, materials like asphalt shingles provide excellent durability and style at a much more affordable price. If your roof is structurally sound, layering a new roofing replacement over the old one can also save on the expenses of tear-off and disposal.

However, there are areas where cutting costs can lead to more problems than savings, and labor quality is one such area.

Choosing experienced, professional roofing contractors guarantees your roof is installed correctly, meeting local building codes, and providing long-lasting protection. Trying to save money by skimping on flashing and underlayment can result in leaks or structural damage, which are far more expensive to fix later.

Similarly, going with a service provider who offers a strong warranty is a worthwhile investment. It offers peace of mind by covering potential issues and ensures you’re not left paying out of pocket for repairs down the line.

What Roof Replacement Options are Available?

Roof Replacement vs. Roof Repair

Choosing between roof repair and replacement often depends on the severity of the damage. Roof repair is ideal for minor issues such as leaks, missing shingles, or isolated damage, with costs typically ranging from $360 to $1,550.

In contrast, a full roof replacement is necessary for extensive damage, aging roofs, or when upgrading to more durable materials.

DIY vs. Professional Roof Replacement

Some homeowners consider DIY roof replacement as a way to save money. While it offers potential savings on labor and allows control over the project timeline, the drawbacks can be significant. Safety risks are high without proper equipment, material warranties may be voided, and the process is both time-consuming and technically challenging.

How to Choose the Right Professionals for Roof Replacement

Selecting the right professionals for your roof replacement is critical to ensuring the project’s long-term success.

  • Start by evaluating the experience and reputation of potential contractors. Look for companies with positive reviews and a history of delivering high-quality results.
  • Next, confirm their certifications and licensing to ensure they meet state regulations and industry standards.
  • Transparent pricing should be the bare minimum. Request a detailed quote that breaks down labor, materials, and any additional costs.
  • Finally, prioritize contractors who offer comprehensive warranty coverage, as this reflects confidence in their work and provides you with added peace of mind.

FHIA Remodeling is a roofing company built on over 15 years of experience in Florida. When you choose FHIA, you’re working with professionals who prioritize safety, efficiency, and high-quality results, so you can feel confident that your house is in the best hands. Let us help protect and enhance your home with a roof replacement done right.

How Do I Estimate the Cost of a New Roof?

Trying to figure out how much a new roofing replacement will cost feels overwhelming, but with the right guide, it doesn’t have to be.

Start by considering the basics: the materials you want, the size and complexity of your roof, and local factors like labor rates or building codes. Using tools like online roof replacement cost estimators based on your location can give you a rough idea, but for a clear and accurate estimate, calling a professional contractor for help is key.

A specialist will take a close look at your roof’s unique features, from its pitch to any extra work like removing old materials or addressing structural issues. They’ll also factor in local costs to give you a realistic number.

Combining these expert insights with your research ensures you can plan confidently, balancing your budget with the durability and style you’re looking for. When you’re ready, a professional can walk you through the next steps and help turn your roofing plans into reality.

FAQ

How do I calculate roof replacement cost?

To calculate roof replacement costs, first measure your roof’s square footage. Multiply that by the cost per square foot of your chosen material (e.g., asphalt shingles, metal, or slate). Then, add labor costs, which typically range from 40-60% of the total cost. Don’t forget to factor in any additional costs for tear-off, permits, or disposal fees. For an accurate estimate, it’s best to consult a roofing contractor.

How often do roofs need to be replaced?

Asphalt shingles generally last 15 to 30 years and offer an affordable yet moderately durable solution. Metal roofs, with their robust construction, can endure for 40 to 70 years, making them a long-term investment. Slate and tile roofs boast an impressive lifespan of 50 to 100 years. They provide unparalleled longevity and a timeless aesthetic appeal.

75% off Installation

18 months no interest no payments