Metal Roofing in Navarre, FL

No. Modern metal roofs are installed over solid roof decking and synthetic underlayment, which dampens sound. Most homeowners report no noticeable difference in rain noise compared to shingle roofs. Our double-layer underlayment adds an extra sound barrier.

We will not quote you a resale percentage — the figures that circulate are national averages with no Panhandle sample behind them. What we can point to is concrete: on the Gulf Coast a buyer's financing usually hinges on the roof being insurable, and a documented metal roof clears that hurdle for far longer than shingle before a carrier starts asking for replacement paperwork.

Usually we will recommend against it. Re-covering leaves the deck unseen, so nobody can confirm the fastener hold or find soft sheathing — and after Hurricane Michael, Moody's reported significantly more metal roof failures in the Panhandle, attributed partly to metal panels installed on top of old asphalt shingles. A full tear-off lets us inspect and repair the deck, and it is what the wind-mitigation credits are documented against. On manufactured homes we do not do it at all.

Most Navarre single-family architectural-shingle replacements land between $8,000 and $20,000, and most metal roofs run $25,000-$60,000. The only real number comes from a free satellite or on-site measurement — slope, size, and decking condition move the price more than the city does.

If a storm, wind, or hail event damaged your roof, your policy will often cover the replacement minus your deductible. If your roof is simply old, insurance won't pay — but replacing it before the 15-year mark is what keeps your Santa Rosa County policy from being non-renewed. We document every job for your carrier.

Florida law allows 1 year from the date of loss for a new claim and 18 months for supplemental claims (FS 627.70132) — but don't run the clock: hidden wind damage gets worse with every rain, and carriers scrutinize late claims. We provide free post-storm inspections with photo documentation and have coordinated insurance claims for Panhandle homeowners for 30+ years.

Yes — same-day emergency tarping dispatched from our Gulf Breeze HQ just minutes away, with phones answered 24/7. Fast tarping is also what your policy expects: homeowners have a duty to prevent further damage, and reasonable tarping costs are usually reimbursable on a covered claim.

Yes — $500 off a roof replacement for active-duty service members, reserves, veterans, and first responders. With Hurlburt Field just up Highway 98, Navarre is home to a lot of military families, and the discount is our thanks. Mention your service when you book your free estimate.

Often, yes. The state's My Safe Florida Home program has offered free wind-mitigation inspections and matching grants up to $10,000 for qualifying homesteaded homes — funding comes in cycles, so check mysafeflhome.com for current status. A wind-mitigation inspection on a new 6-nail, sealed-deck roof can also cut the wind portion of your premium by up to 30%, and $0-down financing is available through SELF, a third-party nonprofit lender.