Printable homeowner worksheet
Florida Roof Replacement Readiness Checklist
Use this before comparing roof estimates. It keeps the public-record facts, visible roof concerns, insurance questions, and contractor quote details in one place.
Record Review
- Look up the property roof record.
- Write down whether the age came from a roof permit or year built.
- Check whether nearby homes have re-roofed recently.
- Confirm permit history with the county before relying on it.
Visible Roof Signals
- Missing, lifted, cracked, or curling shingles.
- Tile cracks, slipped tiles, or exposed underlayment.
- Stains, soft decking, leaks, or attic moisture.
- Rust, loose flashing, or damaged vents.
Insurance Questions
- Ask whether roof age affects renewal or premium.
- Ask whether wind mitigation documentation is current.
- Keep permits, invoices, photos, and warranty documents.
- Do not assume a lookup result is an insurance determination.
Estimate Comparison
- Material, underlayment, flashing, and ventilation specified.
- Tear-off, disposal, permit, and inspections included.
- Decking repair allowance clearly priced.
- Labor, manufacturer, and workmanship warranties separated.
Financing Caution
- Compare total repayment cost, not just monthly payment.
- Ask whether financing creates a lien or tax assessment.
- Confirm payoff rules before signing if you may sell or refinance.
- Get terms in writing before work starts.
Contractor Questions
- License, insurance, and local permit process confirmed.
- Start date, project duration, and weather delay process explained.
- Cleanup, magnet sweep, and property protection included.
- Final inspection and closeout documents delivered.
Important note
This checklist is informational. Confirm roof condition, code requirements, insurance effects, financing terms, and solicitation rules with qualified professionals before making decisions.