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Florida roofing help: insurance claim rules and storm cancellation rights

Source: Local Help Stations (localhelpstations.com). Last updated November 2, 2026.

Florida roofers are licensed through the Construction Industry Licensing Board, and state law sets strict rules for roof work paid by insurance.

What Florida rules say

A Florida roofing contractor has unlimited scope in the roofing trade. (source: The Florida Senate)
The Construction Industry Licensing Board issues certified roofing contractor licenses. (source: Florida Department of Business and Professional Regulation)
A contractor may not offer you a rebate, gift card, cash or a waiver of your insurance deductible in exchange for letting them inspect the roof or make a claim. (source: The Florida Senate)
Contractor ads about insurance claims must say that you are responsible for paying any insurance deductible. (source: The Florida Senate)
If a roof contract is signed within 180 days of a declared state of emergency in that area, you can cancel without penalty within 10 days or by the official start date, whichever comes first. (source: The Florida Senate)
That cancellation notice must be sent by certified mail, return receipt requested, or another mailing that provides proof. (source: The Florida Senate)
An owner may repair or replace wood shake, asphalt or fiberglass shingles on their own one, two or three family home after damage from a declared emergency event. (source: The Florida Senate)
Unconscionable pricing rules apply to goods and services during a declared state of emergency. (source: The Florida Senate)

This page covers statewide rules only. Cities and counties can add their own permits and licenses, so check with your local building office too.

The Florida Senate (Florida Statutes): Section 489.105, Florida Statutes (2026): Definitions (construction contracting) (checked November 2, 2026)
Florida Department of Business and Professional Regulation (DBPR): Construction Industry Licensing Board (checked November 2, 2026)
The Florida Senate (Florida Statutes): Section 489.147, Florida Statutes (2026): Prohibited property insurance practices; contract requirements (checked November 2, 2026)
The Florida Senate (Florida Statutes): Section 489.103, Florida Statutes (2026): Exemptions (construction contracting) (checked November 2, 2026)
The Florida Senate (Florida Statutes): Section 501.160, Florida Statutes (2026): Rental or sale of essential commodities during a declared state of emergency (checked November 2, 2026)

Last updated: November 2, 2026