The Complete Guide to Roofing in Pinellas County, Florida

Why Roofing in Pinellas County Is Different

Living in Pinellas County means your roof faces challenges that homeowners in other parts of the country don't deal with. Between hurricane season bringing 74+ mph winds, intense UV exposure year-round, salt air corrosion near the coast, and heavy afternoon thunderstorms from June through November, your roof works harder here than almost anywhere else in the U.S.

That's why choosing the right materials, the right contractor, and maintaining a regular inspection schedule matters so much in our area. A roofing decision that works in Ohio might fail spectacularly in St. Petersburg.

This guide is organized into four major sections. Use them to educate yourself before making any roofing decisions. And if you want a professional opinion, we offer free roof inspections across all of Pinellas County.

Choosing a Roofing Contractor in Pinellas County

Florida has more roofing scams per capita than almost any other state, especially after hurricanes. Here's what to verify before signing anything:

• Florida roofing license — Check their CCC or CRC number on the DBPR website
• Insurance — Workers' comp AND general liability. Ask for certificates.
• Local references — Not just online reviews. Ask for addresses of recent Pinellas jobs you can drive by.
• Written estimates — Never accept a verbal quote. Get itemized breakdowns.
• Permit pulling — The contractor should pull all permits. If they suggest skipping permits, walk away.
• Manufacturer certifications — GAF Master Elite, Owens Corning Preferred, CertainTeed SELECT. These unlock better warranties.

Florida Building Code Requirements

Pinellas County falls under the Florida Building Code (FBC), which has some of the strictest roofing requirements in the nation. Key rules that affect your roofing project:

• The 25% rule: if more than 25% of your roof is damaged or being replaced, the entire roof must be brought up to current code
• All roofing materials must meet Miami-Dade NOA (Notice of Acceptance) or Florida Product Approval
• Wind resistance requirements vary by zone — coastal Pinellas has stricter requirements than inland areas
• Permits are required for any roof replacement and most significant repairs
• Inspections are mandatory — your contractor cannot close up the roof before the building inspector approves it

Understanding Roof Insurance in Florida

Florida's insurance landscape for roofing has changed dramatically in recent years. Here's what Pinellas County homeowners need to know:

• Many insurers now require roof inspections before issuing or renewing policies
• Roofs older than 15-20 years may face coverage limitations or higher deductibles
• After a storm, document everything with photos BEFORE making any temporary repairs
• You have the right to a public adjuster if you disagree with your insurer's damage assessment
• Be cautious of door-to-door contractors who promise to "handle your insurance claim" — this is a red flag for fraud