Why your roof premium keeps going up

If your homeowners premium has jumped 30-60% in the last two years, your roof is the single biggest line item the carriers are looking at.

What the carriers see

Carriers in Florida price by roof age, material, attachment, and wind mitigation features. They are not pricing your house — they are pricing your roof.

What moves the needle

• Wind mitigation report. Free credits if your roof has the right nailing pattern and secondary water resistance.
• Roof age under 10 years. Some carriers refuse to write at all over 15.
• Material upgrade. Standing-seam metal and stone-coated steel are typically rated for higher uplift than dimensional shingle.

Get the inspection. Hand the carrier the credits. That is the play.