Roof Replacement in Navarre Beach, 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.

Whatever the material, the attachment is what matters on a barrier island: 6-nail patterns, self-adhered starter rolls, sealed decking, and stainless or hot-dipped fasteners. Both premium architectural shingle and 26-gauge metal perform well when installed to that spec — which is our island standard.

It can be — direct-Gulf exposure and flood zones make underwriters cautious. A new code-compliant roof with a documented wind-mitigation inspection is the single best way to improve your insurability and premium on the island. We provide the full documentation package.

Yes — same-day emergency tarping, dispatched from our Gulf Breeze HQ with phones answered 24/7. When FEMA opens a Blue Roof mission for the county, Operation Blue Roof (blueroof.gov) may cover qualifying occupied primary residences — vacation rentals generally don't qualify, so private tarping is usually what protects an island rental.