Roof Replacement in Navarre, FL

If your roof was damaged by a storm, wind, or hail event, your insurance will often cover the replacement minus your deductible. We provide full documentation and work directly with your adjuster.

Every shingle roof we install uses a GAF Timberline architectural shingle, up to Timberline UHDZ on our full GAF Lifetime Roofing System. Timberline HDZ is GAF's #1-selling shingle. It comes with StainGuard Plus algae protection and is rated to 150-mph winds, and we install it with 6 nails per shingle and GAF ridge cap. Note that the wind rating and the wind warranty are two different things: because we run GAF starter at both the eaves and the rakes, HDZ carries GAF's 130-mph limited wind warranty (it is 110 mph without starter at the rakes). On our full GAF Lifetime Roofing System we also register a GAF WindProven limited wind warranty in your name, a GAF warranty with no maximum wind speed limitation.

We don't arrange financing ourselves, but it is available through third-party lenders such as SELF (the Solar and Energy Loan Fund), a Florida non-profit, U.S. Treasury-certified CDFI. You apply and work with the lender directly, and the lender makes the credit decision and sets the rate and terms — we are the roofer, not the lender.

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. Whether your policy pays for emergency tarping is a question only your insurance company or agent can answer; we photograph the work so you have a dated record either way.

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 quote.

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 sealed-deck roof can also cut the wind portion of your premium by up to 30%, and financing is available through SELF, a third-party nonprofit lender.