Frequently Asked Questions

How do I know if my roof needs repair or replacement?

Signs: Leaks, missing/damaged shingles, sagging, or age (15+ years for asphalt). Our directory’s roofers offer free inspections to assess damage.

 

Will my insurance cover storm damage?

Key Tips: Most policies cover hail/wind damage, but older roofs (15+ years) may face denials. Our vetted roofers help navigate claims and provide insurer-approved documentation.

 

How can I spot a roofing scammer?

Red Flags: Door-to-door offers, requests for cash upfront, or “leftover materials” discounts. Only use our pre-vetted roofers to avoid fraud.

 

Why are there black streaks on my roof?

Cause: Algae (Gloeocapsa magma). Avoid pressure washing—use algae-resistant shingles or professional soft washes.

Black streaks (Gloeocapsa magma) reduce shingle lifespan by 5–10 years. Zinc strips cost $150 but save thousands.

What’s the best roofing material for Tampa’s weather?

Top Picks: Metal roofs (hurricane-resistant, 30-50yr lifespan) Class 4 impact shingles (storm-proof, affordable) Tile/concrete (heat-resistant, 50+ years but heavy).

 

How much does a new roof cost in Tampa?

Range: $8K–$30K (size/material-dependent). Get 3 free quotes from our directory to compare fairly.

 

What’s the difference between a ‘repair’ and ‘replacement’ quote?

Repairs fix isolated damage ($300–$1,500). Replacements address widespread wear ($8K+). Our contractors explain cost-benefit breakdowns honestly.

 

How long does a roof last in Florida?

Asphalt: 12–20 yrs | Metal: 30–50 yrs | Tile: 50+ yrs. Tip: Annual inspections extend lifespan.

 

How quickly should storm damage be repaired?

Act fast: Within 30 days to prevent mold/structural issues. Our directory includes 24/7 emergency repair pros.

Insurance Secret

  • Metal roofs can cut homeowners’ premiums by up to 35% in Florida due to their storm resistance.

 Hurricane Myth Buster

  • A Class 4 impact-resistant shingle (like Malarkey or GAF) can survive hail the size of a golf ball—often better than cheap metal panels.

 Tile Roof Trap

  • Walking on clay tiles cracks 1 in 5—always hire tile-certified pros (we vet for this).

Hidden Wind Weakness

  • 90% of storm damage starts at roof edges. Properly sealed drip edges are non-negotiable.

The 10-Year Rule

  • Most insurers won’t cover roofs older than 10–15 years for full replacement costs. Document maintenance!

Solar Ready?

  • Metal roofs are 50% faster/cheaper for solar panel installs vs. asphalt.

The “Free Inspection” Catch

  • Storm chasers use these to scare you into unnecessary repairs. Our directory’s roofers give honest assessments.

Permit Pitfall

  • 1 in 3 unlicensed roofers skip permits—voiding your insurance. We verify every contractor’s permit history.

The Attic Connection

  • Poor attic ventilation bakes shingles from underneath, cutting lifespan in half. Look for rusted nails inside—it’s a red flag.

Find Your Storm-proof Roofer Today

Need a roofer who plays it straight? Search our pre-vetted Tampa pros →