How a Metal Roof Can Lower Your Homeowners Insurance in Florida

Repair & InsurancePublished August 11, 2026

Florida homeowners pay some of the highest insurance premiums in the country, and the single biggest structural factor in that premium is your roof. Insurers price the wind risk of the house, and the roof is where wind risk lives.

That’s why Florida law is unusually generous here: insurers writing homeowners policies in this state are required to offer premium credits for construction features that reduce wind damage. A new code-compliant metal roof checks several of those boxes at once. This guide walks through how the credits work, what the inspection involves, and what to realistically expect on your bill.

One thing up front: we’re roofers, not insurance agents or public adjusters. We build roofs and hand you the documentation. The discounts themselves are between you and your insurance company, and your agent is the person who can quote your exact numbers.

The Short Version

• Florida insurers must offer wind mitigation credits (it’s in state law, s. 627.0629).
• You claim them by having a wind mitigation inspection documented on Form OIR-B1-1802 and sending it to your agent.
• A code-compliant metal roof commonly earns a 15 to 35% discount on the wind portion of the premium. Your actual number depends on your insurer, your county, and the rest of your home’s wind features.
• The inspection is cheap (typically well under $200) and the report is generally good for five years.

What a Wind Mitigation Inspection Looks At

A licensed inspector spends under an hour at your home and grades a handful of features on the state’s uniform form:

• Roof covering. Is the roofing material installed under a current Florida Building Code approval? A new metal roof from a permitted installation passes this cleanly, and it’s the item a reroof upgrades most directly. See our standing seam page for how those systems are rated.
• Roof deck attachment. How the sheathing is nailed to the trusses. A reroof is also the cheapest moment to upgrade this, because the deck is exposed during tear-off.
• Roof-to-wall connection. Toe nails, clips, or hurricane straps.
• Roof shape. Hip roofs (sloping on all sides) grade better than gable ends.
• Secondary water resistance. A sealed roof deck that keeps water out even if the covering is compromised. We can install this as part of a metal reroof; it’s one of the highest-value checkboxes on the form.
• Opening protection. Shutters and impact glass. Not a roofing item, but it’s on the same form.

Notice how many of those items get touched during a reroof. That’s the real story here. A reroof is your one affordable chance in decades to upgrade deck nailing and add a sealed deck, because the deck only comes open when the covering comes off.

What the Savings Look Like

The credits apply to the wind (hurricane) portion of your premium, which in much of Central Florida is a large share of the total bill. Documented mitigation features commonly trim that portion by 15 to 35%, and on the premiums common in Orange, Brevard, and Volusia counties that can mean several hundred dollars a year.

Two honest caveats. First, insurers apply credits differently, so two neighbors with identical roofs can see different discounts. Second, the credit repeats every year the report is on file, which is what makes the math interesting: a few hundred dollars a year across a metal roof’s 40-plus-year lifespan adds up to a meaningful chunk of the roof’s original cost. Our metal roofing cost guide works this into the total-cost picture.

The Other Insurance Problem a Metal Roof Solves

Discounts are only half the story. Across Florida, insurers have gotten strict about roof age, and owners of aging shingle roofs increasingly face non-renewals or trouble finding coverage at all until the roof is replaced. A metal roof’s service life is measured in decades, which takes the roof-age clock off your list of insurance worries for as long as most people own a home. That’s not a discount on the bill; it’s the difference between shopping for coverage with leverage and shopping without it. Florida tightened the rules here on July 1, 2026, and our guide to the roof-age insurance law covers what changed and when an inspection is now required.

How to Actually Claim the Discount

1. Have the roof installed under permit by a licensed contractor. Our installs are done under FL License CCC1337805 with the product approvals documented.
2. Book a wind mitigation inspection (your agent can recommend inspectors, and home inspectors licensed in Florida offer it as a standard service).
3. Send the completed Form OIR-B1-1802 to your insurance agent and ask them to apply all available credits.
4. Keep the report. It’s generally valid for five years, and it transfers useful documentation to a buyer if you sell.

We supply the paperwork that makes steps 1 and 2 easy: permit records, product approval numbers, and photos from the installation. You submit everything to your own insurer; that part of the process belongs to you and your agent, and we stay in our lane. Our storm and hurricane roof damage page explains how that works.

Planning a reroof and want the insurance paperwork handled right from day one? Request a free metal roof quote or call (800) 303-3309.