Florida Roof Costs

Why isn’t floor area a roof measurement?

Floor area describes the inside of a building. Roof area follows the sloped surfaces, including overhangs and roofed spaces outside the living area.

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A practical example

Two homes with the same living area can have different roof surfaces if one has two stories and the other has a large covered porch.

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What to ask

Ask for the measured roof area and which structures it includes.

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Editorially reviewed September 14, 2026. Published for EaseRoofing. General education; no property-specific assessment or named contractor technical review. About this resource.

Insurance responsibilities

You are responsible for paying any insurance deductible.

It is insurance fraud punishable as a felony of the third degree for a contractor to knowingly or willfully, and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor for repairs to property covered by a property insurance policy.

It is insurance fraud punishable as a felony of the third degree to intentionally file an insurance claim containing any false, incomplete, or misleading information.

This website does not interpret your policy, file or negotiate claims, or promise coverage. A roofing contractor can document roof conditions and explain its repair estimate. Direct coverage questions to your insurer or an appropriately licensed professional.

Florida Statutes § 489.147

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