Florida roof insurance discounts: which ones are real — and what are they worth?

First, it resets your roof's age. Some carriers price by roof age (USAA and Cypress, for example, list roof age as a discount factor), and under Florida's roof age insurance rules, a carrier can't refuse to issue or renew your policy solely because of roof age while the roof is under 15 years old (FS 627.7011(5)) — so for its first 15 years, a new roof's age alone can't be the reason a carrier turns you down (its condition still can). (No new roof-age law passed in 2026, whatever you may have read — here is the record.)

Second, it can earn the modern-code roof covering credit — even on an older home. Citizens' filed mitigation discounts entitle homes built on or after January 1, 2002 to a premium discount, and state that homes built before 2002 "that have an updated roof meeting this building standard may also be eligible." Translation: at Citizens, a reroof permitted under the modern Florida Building Code may qualify an older house for that discount; other carriers file their own rules, so ask your agent.

Third, reroofing is the cheapest moment to add the credit-earning features hidden under your shingles. A secondary water barrier can only go on with the deck exposed, and the roof-deck nailing pattern can only be photographed before the underlayment covers it. Adding either during a planned replacement costs a fraction of retrofitting later.

Fourth — the step most homeowners skip — none of it applies until you document it. Discounts are not automatic after a reroof. You need a new wind mitigation inspection filed with your carrier before a single credit hits your bill.

One honest caveat: if an ad promises your new roof will cut premiums by a specific percentage, be skeptical — those figures don't trace back to filed rates. While you're pricing the project, our guide to what a new roof costs in Florida covers the other side of the math.

This page is general information for Florida homeowners, current as of August 2026 — not legal, tax, or insurance advice. Complete Roofing LLC is not affiliated with the My Safe Florida Home program, the Florida Department of Financial Services, or the Office of Insurance Regulation. Verify specifics with your own policy, agent, or the Florida DFS.

Two fine-print rules come straight from Citizens: the credits apply only to the wind portion of the premium and are not offered for mobile homes — and documentation is required before any discount applies, with the cost of certification on the homeowner.

These features are verified on the state's Uniform Mitigation Verification Inspection Form, OIR-B1-1802 — and 2026 brought the form's first revision since 2012. Inspections performed on or after April 1, 2026 must use the new version (Rev. 04/26); forms completed before that date stay valid for their full five-year window, and Citizens states the update "will not result in any difference to the credits available and applied at this time." For the form walkthrough, feature by feature, see how a wind mitigation inspection cuts your premium — this page stays focused on the money.

The percentage above is an estimate and the dollar figures are program amounts — not filed rates. The only numbers that bind your policy are the credit ranges your carrier discloses on its OIR-B1-1699 or OIR-B1-1700 premium discount notice, and since October 1, 2023 Florida insurers have also been required to publish their hurricane mitigation discount information on their own websites. Before you spend a dollar chasing a credit, read that notice — it tells you exactly what your carrier pays for.

Grants fund opening protection, roof-to-wall reinforcement, roof-deck attachment, and secondary water resistance — not the roof covering itself. The payoff is real but not guaranteed: state officials have cited roughly $1,000 per year in average premium savings for participants who completed upgrades, while news reporting found only about half of grant recipients reported premium reductions.

On funding, as of August 2026: the program reopened in August 2025, the 2026 Legislature appropriated no new money, but the state budget signed June 29, 2026 rolled unused program funds forward toward homeowners with completed inspections still awaiting grants. Demand still outruns supply. Eligibility rules, income priorities, and the application walkthrough live in our My Safe Florida Home roof grant guide.

The roof deductible does not apply to a total loss to a primary structure under the valued policy law caused by a covered peril, a roof loss resulting from a hurricane as defined in FS 627.4025(2)(c), a tree fall or other hazard that punctures the roof deck, or a roof loss requiring repair of less than 50% of the roof (FS 627.701(10)(a)5.). You can reject it on an approved form when it is offered at issuance, or when the insurer adds it at renewal (FS 627.701(10)(b), (c)).

On a $400,000 Coverage A policy, 2% is $8,000; when a roof deductible applies, no other deductible under the policy applies to that loss (FS 627.701(10)(a)5.). For how Florida law treats replacement-cost and actual-cash-value payments, see whether homeowners insurance covers roof replacement in Florida, and for what Florida law says about roof insurance claims, see our Florida roof insurance claim guide.

You pay the sales tax at purchase, then claim the refund from the state. Why that matters on a roofing page: opening protection is typically the largest single wind mitigation credit, so hardening your openings stacks twice — a tax refund now, and a bigger insurance credit at your next wind mitigation inspection. We don't install windows or doors, but if you're sequencing home-hardening projects, this refund belongs in the plan.

Under FS 627.711(2), the form can be signed by a licensed home inspector with hurricane-mitigation training, a certified building code inspector, a general, building, or residential contractor, a professional engineer, or an architect. The same statute requires insurers to accept a properly signed uniform form and factor the documented features into your wind premium discounts. The full inspection playbook is in our guide to wind mitigation insurance savings.