If you’re a homeowner in Tampa, Florida, you’ve likely felt the impact of rising homeowners’ insurance rates. Between hurricanes, wind storms, hail, and strict insurance underwriting, many Tampa residents are searching for ways to lower their premiums. One of the most effective—and overlooked—ways to save money is by installing a new roof.
So, will a new roof actually decrease your homeowners’ insurance in Tampa?
In most cases, yes—absolutely.
Here’s why.
Why a New Roof Can Lower Your Insurance in Tampa
New Roofs Reduce Storm-Related Risk
Tampa is in one of the most hurricane-prone areas in the country. Insurers know that older roofs are more likely to fail during:
- Tropical storms
- Hurricanes
- High-wind events
- Heavy rainfall
A new roof dramatically reduces the chance of storm damage—and fewer claims mean lower premiums.
Florida Building Codes Have Become Much Stronger
The Florida Building Code has been updated several times, especially after major hurricanes. When you replace your roof today, you’re installing one that meets:
- Modern wind-resistance standards
- Stronger decking attachment requirements
- Advanced water barriers
Insurance companies reward Tampa homeowners whose roofs meet these improved safety standards.
Wind Mitigation Credits = BIG Savings
A wind mitigation inspection is the #1 way Florida homeowners lower their insurance.
When you install a new roof, you can qualify for credits such as:
- Roof shape (hip roofs get the best discounts)
- Secondary water barrier
- Stronger roof-to-wall connections
- Updated decking attachment
- Impact-resistant materials
These credits alone can save Tampa homeowners hundreds to over $1,000 per year.
Certain Roof Types Qualify for Higher Discounts
Insurance companies offer the largest savings on roofs that provide superior protection. In the Tampa Bay area, these include:
Metal Roofing
- Extremely resistant to wind uplift
- Reflects heat (energy savings bonus!)
- Long lifespan (40–70 years)
https://allphaseroofs.com/metal-roofing/
Architectural & Impact-Resistant Shingles
- Better wind rating
- Strong against debris
- Less likely to require claims
Tile Roofing
- Outstanding durability
- Excellent storm protection
- Fire-resistant
If you’re upgrading from an old 3-tab shingle roof, the difference in premiums can be significant.
How Much Can a New Roof Reduce Your Insurance in Tampa?
While every insurer is different, Tampa homeowners typically see:
- 5–25% premium reduction from a new roof
- Extra savings from wind mitigation credits
- Even bigger reductions when switching to impact-resistant materials
The older your current roof, the more dramatic the savings.
What You Need to Do to Get the Discount
- Notify your insurance company
They won’t automatically apply the new rate. You must contact them and request a reassessment.
- Get a wind mitigation inspection
This is crucial in Tampa. It often unlocks the bulk of your savings.
Submit documentation
Your insurer may ask for:
- The roofing permit
- Contractor’s completion report
- Proof of materials
- Wind mitigation report
At All Phase Roofing Services, LLC, we provide everything needed for insurance updates.
When a New Roof Might Not Decrease Your Premium
This is rare, but it can happen if:
- You replace your roof with a high-risk material (like wood shake)
- Your roof type is very expensive to replace
- The structure of your home requires upgrades unrelated to roofing
For most Tampa residents, however, a new roof lowers premiums rather than raising them.
Final Answer: YES—A New Roof Can Absolutely Decrease Your Homeowners’ Insurance in Tampa
Between improved storm protection, updated building codes, and wind mitigation credits, Tampa homeowners almost always benefit from lower premiums after a roof replacement.
The savings, combined with increased home value and reduced storm risk, make a new roof one of the smartest home investments you can make in Florida.
Thinking About a New Roof in Tampa?
All Phase Roofing Services, LLC can help you:
Choose the roof type that gets the best insurance savings
Install a Florida-code-compliant roof built for hurricanes
Provide the documents required by your insurer
Arrange your wind mitigation inspection
Contact All Phase Roofing Services, LLC today for a free inspection and estimate.
Want to know more about lowering your home-owners’ insurance?
https://www.progressive.com/answers/how-roof-type-impacts-insurance/
https://www.allphasebuildingconcepts.com/impact-windows-installation/
