Shingle & Ready: Roofing Central Florida with Austin

 

A personal blog by Austin sharing expert roofing tips, industry insights, and real project stories from Central Florida

Tag: home-improvement

  • How to Avoid Roofing Storm Chasers After a Florida Storm

    After a big storm in Central Florida, roofing trucks seem to appear overnight. They knock on doors, hand out flyers, and promise “free roofs” through insurance. Many of these crews are legitimate — but some are storm chasers: out-of-town contractors who sweep into disaster zones looking to make quick money, then disappear before warranty issues or poor workmanship come to light.

    In this post, we’ll explain how to spot storm chasers, protect your home and wallet, and make smart choices when it comes to roof repairs after severe weather.

    What Are Roofing Storm Chasers?

    “Storm chasers” are contractors (often from out of state) who follow major weather events — hurricanes, hail, or windstorms — and target neighborhoods with visible damage.

    They usually move fast, offer deals that sound too good to be true, and pressure homeowners to sign repair contracts or insurance assignments on the spot.

    The problem? Once the work is done and payment clears, they’re gone — and when leaks or problems show up months later, so are they.

    5 Warning Signs of a Storm Chaser

    1. They show up right after the storm

    If someone knocks on your door within 24–48 hours after a storm offering inspections or free roofs, be cautious. Reputable local roofers get busy with existing clients first and don’t usually cold-call door-to-door.

    2. They’re not local

    Storm chasers often have out-of-state license plates, temporary office numbers, or vague business addresses. Always check their Florida contractor license and business registration on the Florida Department of Business & Professional Regulation (DBPR) website.

    3. They pressure you to sign quickly

    High-pressure tactics like “we can get your insurance to pay 100% if you sign today” are a major red flag. A trustworthy roofer gives you time to think and compare bids.

    4. They ask for large upfront payments

    Legitimate roofers rarely need more than a small deposit (often 10–20%) to schedule work. Storm chasers might ask for 50% or even full payment upfront — then vanish.

    5. They offer to handle your insurance claim completely

    While roofers can help document damage, they cannot legally negotiate your insurance claim unless they are licensed public adjusters. Be wary of anyone who says they’ll “take care of everything” or asks you to sign over your benefits (Assignment of Benefits or AOB).

    How to Protect Yourself

    ✅ Hire Local, Licensed, and Insured Roofers

    Before hiring anyone, verify:

    • Their Florida roofing license (check at http://www.myfloridalicense.com).
    • Their local business address and insurance coverage.
    • That they have a track record of work in your county or city — look for online reviews, photos, or references from neighbors.

    ✅ Get Multiple Estimates

    Don’t feel rushed. Get two or three written estimates so you can compare scope, materials, and pricing. A trustworthy company will explain any price differences.

    ✅ Read Contracts Carefully

    Never sign incomplete paperwork or documents you don’t understand — especially anything involving an “Assignment of Benefits.”

    ✅ Check for Warranty & After-Storm Support

    Ask what kind of workmanship warranty is included and how long they’ve been operating locally. Storm chasers usually can’t honor long-term warranties because they won’t be around.

    Why Choosing a Local Roofer Matters

    Local roofing companies understand Florida building codes, wind zone requirements, and insurance documentation. They also depend on community reputation, meaning they have a reason to stand behind their work.

    When you hire a trusted local contractor, you’re not just getting a roof — you’re getting accountability, proper permitting, and peace of mind that someone will answer the phone months or years down the road.

    Final Thoughts

    Storm damage is stressful enough — don’t let a storm chaser make it worse.
    Take your time, verify credentials, and work with a reputable local roofing company that’s here long after the storm passes.

    If you recently experienced roof damage and want an honest, no-pressure inspection, our team at Roofing Central Florida is here to help. We’ll walk you through the process clearly, document everything for insurance, and give you a fair, transparent quote.

  • Why Regular Roof Inspections Matter—Especially in Florida

    From your local roof guy – Austin

    Let’s be honest—your roof probably isn’t something you think about until it starts leaking, making weird noises in a storm, or suddenly showing up in your dreams because your neighbor just got a new one. I get it. But here’s the thing: in Florida, your roof goes through a lot. Sun that could melt a popsicle in five seconds, sideways rain, hurricane winds, the occasional flying palm tree—you name it.

    That’s why I’m a big believer in getting your roof inspected regularly. Not because I like climbing up ladders (okay, maybe a little), but because it genuinely saves you time, money, and stress.

    1. Catch the “Little Stuff” Before It Becomes the “Big, Expensive Stuff”

    A loose shingle? No big deal—until water starts sneaking in and your ceiling starts looking like a water-stained map of Florida. I’ve seen small issues snowball into full roof replacements way too many times. A quick inspection gives me a chance to catch the weird stuff early—things like cracked boots, lifted shingles, and mystery caulking from the 90s that gave up years ago.

    2. Protect the House You Love (and Paid a Lot For)

    You worked hard for your home—probably harder than your roof is working when it hasn’t been checked in years. Let’s make sure the thing protecting everything inside your home is actually doing its job. Inspections help keep the roof in good shape, which helps keep the rest of your house happy too—dry walls, no mold, and no late-night panic when it rains.

    3. Florida Storms Don’t Mess Around

    You ever watched a palm frond fly across your yard at 40 mph and think, “Yeah, this seems fine”? Me neither. Hurricane season in Florida is no joke. I always recommend having your roof looked at before AND after storm season. It’s like a wellness check—except for your shingles.

    Plus, a lot of damage isn’t obvious from the ground. Just because your roof looks okay from your driveway doesn’t mean it didn’t take a beating.

    4. Insurance Claims Are a Lot Easier with Proof

    If your roof gets damaged, your insurance company is going to want details. Having inspection reports and photos from before the storm? That’s gold. I also work with folks like Dillion from 5Star Claims Adjusting—so if there’s ever a claim, we can help guide you through the process and fight for what you deserve.

    You won’t be doing it alone—I’ve got your back.

    5. Make Your Roof Last Longer (and Delay a Big Bill)

    No one wakes up excited to drop ten grand on a new roof. The good news? If you take care of it, your roof can last decades. Regular inspections are like oil changes for your roof—they help it live longer, perform better, and avoid breakdowns at the worst possible time (like during your kid’s birthday party when it’s pouring).

    Want Me to Take a Look?

    If it’s been a while since anyone looked at your roof, I’m happy to swing by and give it a once-over—for free. No pressure, no sales pitch, no awkward upselling. Just honest feedback and a few photos so you know exactly what’s going on up there.

    Call or text me anytime. I’m local, I care, and I’ll treat your home like it’s my own.
    (And I’ll even wave to your neighbor if they’re watching.)

  • Roofing Regulations in Florida: How to Avoid Insurance Nightmares and Stay Covered

    With Your Central Florida Roofer, Austin

    If you’re a homeowner (or a roofer like me) in Florida, you’ve probably noticed that the roofing industry is always changing. One minute, your insurance is happy with your roof, and the next, they’re looking at it like it’s a medieval thatched hut. That’s because Florida has been rolling out new laws faster than a shingle in a hurricane. But don’t worry—I’m here to break it down in a way that won’t make your head spin (too much).


    What’s the Big Deal?

    In 2022 and 2023, Florida lawmakers passed a series of reforms aimed at stabilizing the home insurance market. (Spoiler alert: Insurance companies were fleeing Florida faster than snowbirds when hurricane season hits.) These laws were designed to curb fraudulent claims, reduce unnecessary roof replacements, and hopefully stop your insurance rates from climbing higher than a poorly installed ladder.

    So, what’s actually changed, and how does it affect you? Let’s dive in.

    Roof Age and Insurance Coverage (Passed in December 2022)

    Before: If your roof was over 15 years old, some insurance companies would refuse to renew your policy.

    Now: Florida law says insurance companies can’t deny coverage just because your roof is under 15 years old. However, once your roof hits the 15-year mark, you’ll need an inspection to prove it still has at least five years of life left. If it passes, your insurance must continue covering you.

    Translation: Your roof isn’t automatically sent to retirement at 15—it just has to prove it can still do its job.

    What You Can Do: If your roof is approaching 15 years, get an inspection before your renewal period. A good roofer (hi, nice to meet you) can provide documentation that your roof is still in great shape. If the roof is nearing the end of its lifespan, consider replacing it before your insurance company forces you to.

    The “No More Free Lunch” Rule for Contractors (Passed in May 2022)

    Before: Some roofing contractors would knock on doors, offer a “free roof inspection,” and then—surprise!—suggest filing an insurance claim, whether you needed it or not.

    Now: It’s illegal for roofers to directly solicit homeowners for insurance claims. That means no more door-to-door offers of a “free roof” or incentives to file claims.

    Translation: Roofers can’t show up uninvited like a long-lost cousin at Thanksgiving, trying to get you to file a claim.

    What You Can Do:If you think your roof has legitimate damage, you need to start the claim. Contractors can still help after you initiate it. Be wary of companies that promise a free roof through insurance without an inspection. (If it sounds too good to be true… it is.)

      The 25% Rule and Roof Repairs (Revised in 2023, Effective December 2023)

      Before: If more than 25% of your roof was damaged, Florida law required you to replace the entire roof to meet current building codes.


      Now: If your home was built after 2009, you can now repair just the damaged section instead of replacing the whole roof, as long as the repaired section meets current code.


      Translation: Your roof doesn’t need a full makeover if it only has a few wrinkles, just be sure to always to promptly address any damage.


      What You Can Do: If you have roof damage, check when your home was built. If it’s post-2009, you might be able to repair instead of replace. If your insurance insists on full replacement when a repair will do, push back! Know your rights.

        Final Thoughts: How to Maneuver These Changes Like a Pro

        These laws may seem overwhelming, but here’s a quick strategy to stay ahead:


        ✔ Get Your Roof Inspected Regularly: A professional inspection every 1-2 years keeps you ahead of potential problems and avoids insurance headaches.


        ✔ Document Everything: If you ever need to file a claim, detailed documentation of your roof’s condition (photos, reports, etc.) will be your best friend.


        ✔ Work with a Reputable Roofer: (Hey, like me!) Avoid companies that use shady tactics or pressure you into filing unnecessary claims.


        ✔ Understand Your Policy: Not all insurance policies are created equal. Read the fine print so you’re not blindsided.
        The Florida roofing industry is always evolving, but staying informed means you won’t get caught off guard. If you have questions or need an expert’s opinion, don’t hesitate to reach out. After all, the only thing scarier than dealing with insurance companies is trying to fix a leaky roof yourself. 😉
        Stay dry, stay smart, and happy roofing!

        -Austin, Your Friendly Neighborhood Roofer

      1. Florida Roofing 101: Common Issues, Best Materials, and the Importance of Gutters

        With Your Central Florida Roofer, Austin

        Roofing in Central Florida: Common Issues, Materials, and Gutter Systems


        As someone who works in the roofing industry, I know firsthand the challenges that Florida homeowners face when it comes to their roofs. The combination of intense sun, heavy rainfall, and strong winds makes it crucial to choose the right roofing materials and maintain a strong gutter system. I want to share some insights on common roofing issues and the best roofing solutions to help you protect your home for years to come.


        Common Roofing Issues in Florida

        Leaks and Water Damage

        Florida’s frequent and heavy rains can expose weaknesses in a roof, leading to leaks. Water intrusion can cause structural damage, mold growth, and costly repairs. Proper installation and routine inspections are essential in preventing leaks before they become a major issue.


        Wind Damage

        Florida is no stranger to strong winds, especially during hurricane season. High winds can lift and break shingles, leaving the roof vulnerable to further damage. I always recommend wind-resistant materials and ensuring that your roofing system meets Florida’s strict building codes.


        Heat and Sun Damage

        The Florida sun is relentless, and over time, it can cause shingles to crack and deteriorate. UV rays break down roofing materials, leading to brittleness and shortening the lifespan of the roof. Choosing heat-resistant roofing materials can help mitigate this issue and extend the life of your roof.


        Types of Roofing Materials

        Selecting the right roofing material is essential for durability, energy efficiency, and storm resistance. Here are some of the best roofing options I recommend in Florida:


        Asphalt Shingles

        Asphalt shingles are one of the most common roofing materials due to their affordability and ease of installation. They come in a variety of colors and designs, making them a versatile choice. While they typically last 20-30 years, their susceptibility to heat damage can be a concern in Florida’s hot climate.


        Metal Roofing

        Metal roofs are becoming increasingly popular in Florida because they are lightweight, durable, and can withstand winds up to 160 mph. They are also resistant to hail damage and are fully recyclable. With a lifespan of up to 70 years, metal roofing offers long-term value for homeowners.


        Clay Tile Roofs

        Clay tile roofs are a classic choice in Florida, offering both aesthetic appeal and durability. They can last 25 to 50 years or more and are highly resistant to extreme heat, high winds, and hurricanes. However, they are heavier than other materials and may require additional structural support.


        Tile Roofs

        Tile roofs, whether clay or concrete, are known for their durability and low maintenance. They are fire-resistant and effective at reflecting solar heat, making them an energy-efficient option for Florida homes. While they are more expensive than asphalt shingles, their longevity and resilience make them a worthwhile investment.


        The Importance of a Robust Gutter System

        A well-functioning gutter system is crucial for protecting your home’s foundation and roof. Gutters help direct rainwater away from your house, preventing problems such as:

        Foundation issues – Without proper drainage, water can pool around your home’s foundation, leading to cracks and structural instability.


        Soil erosion – Without gutters, rainwater can erode landscaping and compromise the stability of your home’s foundation.

        Siding and structural damage – Water running down the side of a house can lead to mold growth, rot, and aesthetic damage.
        I always emphasize the importance of properly maintaining gutters by keeping them clean and ensuring they are free from clogs to prevent costly damage to your home’s roofing system and exterior.


        Final Thoughts

        As a roofing professional, I always stress the importance of proactive roof and gutter maintenance to Florida homeowners. By choosing durable roofing materials and ensuring regular inspections and upkeep, you can extend the lifespan of your roof and avoid costly repairs. Whether you’re considering asphalt shingles, metal roofing, or tile roofs, selecting the right materials and working with an experienced roofer will help keep your home safe and secure for years to come.