Roofing Decisions That Can Save You Big On Your Florida Home Insurance

When it comes to homeownership in Florida, everyone is looking for ways to save money on their insurance. Did you know that the type of roof you have and its characteristics can play a big role in determining your insurance premium? In this article, we’re going to take a closer look at the best roofs and roofing materials that can help you lower your homeowner’s insurance costs and keep your home safe and secure.

Impact-Resistant Roofs

If you live in an area that’s prone to hurricanes or other severe weather conditions, having a roof that can withstand the elements is a must. The solution? Impact-resistant roofs! These roofing systems are designed to resist strong winds, hail, and other types of severe weather. They are typically made from durable materials that can handle the impact of flying debris and heavy winds without suffering major damage.

Not only does an impact-resistant roof provide better protection for your home, but insurance companies often offer discounts to homeowners who have taken steps to protect their properties from damage. So, by choosing an impact-resistant roof, you can enjoy peace of mind knowing that your home is protected, and save money on your insurance premiums at the same time.

Roof Shape and Slope

The shape and slope of your roof can also have an impact on your insurance premium. Hip roofs are considered to be the strongest and most stable, making them ideal for areas that experience high winds, heavy rain, and snow. A hip roof is a pyramid-like structure that slopes downward from all four sides to the walls of the building.

Gable roofs, on the other hand, are the most common roof design and consist of two sloping sides that meet at the peak of the roof. They’re simple to construct, provide good ventilation and ample headroom, but can be more susceptible to damage from wind or heavy snow.

Flat roofs are exactly what they sound like, flat. They’re popular in areas with low precipitation and are cost-effective to install. However, they’re prone to leaks and may need to be replaced more frequently than other roof types.

Barrel tile roofs are a popular roof type in Florida. They are made from terracotta or concrete tiles shaped like a cylinder and interlocked to create a continuous surface. Barrel tile roofs are extremely durable and can last for decades with proper maintenance. They’re also resistant to fire and pests, which can lower your insurance premium. However, they can be more expensive to install and repair than other roof types, leading to higher insurance costs.

Roofing Materials

The type of roofing material you choose can also impact your insurance premium. Some popular roofing materials include asphalt shingles, metal roofing, concrete tiles, and slate.

Asphalt shingles are the most common type of roofing material in the US. They’re relatively affordable, durable, and come in a variety of colors and styles. They’re also lightweight, making them ideal for homes with a limited load-bearing capacity. However, they’re not as strong as other materials and can be more susceptible to damage from high winds and hail.

Metal roofs are strong, durable, and resistant to fire, wind, and hail. They’re also energy-efficient, reflecting heat in the summer and retaining warmth in the winter. The downside is that they can be more expensive than asphalt shingles and may not be suitable for all roof styles.

Concrete tiles offer a durable and fire-resistant option for your roofing needs. In addition to being strong, they also provide good insulation for your home, keeping you warm in the winter and cool in the summer. These tiles are also resistant to wind and hail damage, which can lower your insurance premium. However, it’s important to note that concrete tiles can be heavy, so they may not be suitable for all homes, and they may also come with a higher price tag compared to other roofing materials. But the long-term benefits of a concrete tile roof, such as its durability and fire resistance, make it a great investment for homeowners looking to save on insurance premiums.


In conclusion, choosing the right roof and roofing materials for your Florida home can have a big impact on your insurance premium and overall protection from severe weather conditions. Consider investing in an impact-resistant roof, or a hip roof for maximum stability and durability. Metal roofing, concrete tiles, and slate roofs are also great options, but weigh the pros and cons against cost and home suitability. Regular roof inspections and maintenance can also help extend the life of your roof and save you money on insurance in the long run.

If you’re looking for more information on the best roof options for your Florida home, and how to save on your homeowner’s insurance, don’t hesitate to reach out to our independent insurance agency at Our knowledgeable agents are here to help guide you in making the best choices for you and your home. Call us today at (305) 452-0587 or email us at to get started on the right path to the perfect roof and the best insurance coverage for your Florida home!

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