Florida Roof Coating Solutions: Extend Roof Life and Secure Your Insurance

Your roof is your home’s first line of defense, protecting against rain, wind, and sun. Over time, even the best roofs wear down, and proper maintenance becomes crucial. One way to prolong your roof’s life is through a protective coating, which can shield it from the elements and reduce future damage. However, there’s misinformation from insurance agents that abounds regarding roof coatings: if you seal or paint your roof, you’ll lose your insurance!

“Your mortgage could be at risk if you coat your roof.”

Disinformation, applying a roof coating on an older roof assumes that you think you have reroofed and are trying to cover up the roofs condition, (the assertion is absolutely ridiculous).

Insurance companies may have specific guidelines, if your roof has reached its useful life period, say for example 30 years a roof replacement is required ( already presumed before the homeowner has even had a chance to acquire a real roof report by a licensed inspector (not and insurance companies employee or agent stomping around on your roof), and the insurance companies have previously, deceptively in Dec 2022 that “a coating or sealant is used in lieu of roof replacement, the risk remains ineligible for coverage”, Fortunately the governor had received numerous letters and calls from the licensed Contractors, Licensed Inspectors and Engineers and their lawyers who said, ” wait one second here” Consequently the governor issued a bulletin March 2023 ( that Google also pushed down the Results thereto) that restates the legal writes of the homeowner to have a an additional roof life certificate report (affidavit ) undertaken that supersedes all insurance options and has settles the matter completely.

The Reality Behind Roof Coating and Insurance Policies

. There’s a lot of misinformation out there. Here’s what you need to know:

• Roof Coating Extends Lifespan: Applying a protective coating to your roof can help extend its lifespan by smart shield system from the elements, reducing wear and tear over time. Our Satisfied Customer Review:

Sigfredo Martinez

232 NE 22nd St.
Wilton Manors FL.
Installed in 2003, Roof Shield protected us!, no damage, no leaks as yet even after the hurricanes, thanks again Anthony.

• Insurance Companies are not the last word: Few insurers actually favor proactive maintenance, like roof coating, because it lowers the risk of damage and future claims. Always keep records of any work done on your roof and share them with your insurance provider.
• No Automatic Policy Cancellation: Despite some misconceptions, coating or painting your roof doesn’t automatically mean your insurance policy will be canceled. Just make sure the coating is professionally done and doesn’t hide any underlying damage and if repairs are required they must be done prior to any sealants are applied.
• Inform Your Insurer: Before having any Insurance agent or employee ( which are not licensed contractors or licensed inspectors and are not able to sign off or deny a additional roof life certificate/ affidavit). stomp around on your roof before you have the roof maintenance undertaken and get this affidavit signed off on If they deny the insurance coverage after they are in receipt of the affidavit sue them. The insurance company’s regardless are still raising rates by 1 to 1.5 xs each year in Florida, they are doing this on new roofs and old ones at the same scale so it doesn’t matter. The point is they can’t deny you if they do call us, we have a Team of attorneys we can recommend to you that will take your case providing you have followed all the rules and that your roof is not truly a reroof candidate because of wear and Tear age and lack of upkeep.

By understanding the reality of roof coatings and insurance, you can make informed decisions that protect both your home and your policy.

Only Licensed Experts can Assess Your Roof’s Condition, Not Insurance Companies

Disinformation “Insurance Companies Don’t Have the Authority to Judge Your Roof’s Condition.”

“The insurance company does not have the contractor license or roof mitigation license to make that determination.”

Perhaps one of the most Flagrant deceptions is that insurance companies have the final say on whether your roof is in good condition or not. Insurance companies are not Licensed contractors or Licensed roof mitigation specialists. They do not have the technical expertise OR License to determine whether your roof needs to be replaced or can still last for several more years.

As a homeowner, you have the legal right to hire a licensed contractor licensed, engineer, or licensed roof mitigation specialist to assess your roof. If these professionals certify that your roof is still structurally sound and can last beyond the standard lifespan (like 30 years), the insurance company cannot legally drop your coverage based solely on the roof’s age.

Roof-to-Wall Connections:

• Securing your roof to the walls with hurricane clips or straps helps prevent the roof from being blown off during high winds. This is a critical upgrade for ensuring your roof stays attached and your home remains protected. LINK https://www.theroofstore.net/roof-shield-system.php

Garage Door Reinforcement:

• Garage doors are often vulnerable to wind damage. Reinforcing your garage door with additional bracing or upgrading to a wind-rated garage door can prevent it from being blown inwards, which can compromise the entire structure of your home.

Gable End Bracing:

• Gable roofs are more susceptible to wind damage due to their flat sides. Adding bracing to the gable ends helps stabilize the roof during strong winds and reduces the risk of collapse. Customer Review:

Patrick Pointu (Palm Beach County Sherriff)
4636 Poinciana Street
Lauderdale By The Sea 33308
Roof Shield 1700 sq ft Flat BB.U.R roof (two story)

Reinforced Soffits and Attic Vents:

• Wind can enter your home through weak soffits or attic vents, leading to internal pressure buildup. Reinforcing these areas can prevent wind from penetrating the home and causing structural damage. Link: https://www.theroofstore.net/services/residential-flat-roof-coating.php

Secondary Water Barrier:

• Adding a secondary water barrier beneath your roof covering can help prevent water intrusion if your roof is damaged. This extra layer of protection is especially useful in reducing water damage during hurricanes.

DISSINFORMATION and Misleading Advice from Insurance Company’s and their Agents

“Don’t Seal Coat or Paint Your Roof on an older roof just newer ones, or You’ll Lose Your Insurance!”

One of the most common pieces of disinformation and deception is from insurance Companies and their agents that sealing or painting your roof is a claim is that by doing so, you’re trying to cover up the true condition of your roof and you  have also a, ” that by doing so that you have assumed this is measure, ” is an equivalent of replacing your roof, which would void your insurance policy. 

But is this really true? In many cases, this advice is entirely double-speak and inaccurate. While it’s true that some insurance companies  have specific guidelines, and the old roof that has not been properly maintained may need to be replaced and is understandable, however contrary to just 2 years ago (and for centuries) the insurance companies penalize you for undertaking maintenance steps that restore older roofs, they keep telling Homeowners when a roof replacement is required (often times with no proof of this position) at let’s say your roof is  15, 20 or 30 years old that its already presumed by the Insurance Company (before the homeowner has even had a chance to acquire a real roof report by a licensed inspector (and not  simply relying on just the insurance companies employee or agent stomping around on your roof) that your roof  is no longer a candidate for insurance and must be replaced, 

The insurance companies have previously stated unfairly after Dec 15 2022 that “a coating or sealant is used in lieu of roof replacement, the risk remains ineligible for coverage”, Fortunately the governor had received letters  and calls from Homeowners, licensed Contractors, Licensed Inspectors and Engineers and their lawyers who said wait one second here and the governor issued a bulletin March 2023 ( that Google also pushed down the Results thereto) that restates the legal writes of the homeowner to have a an additional roof life certificate report (affidavit ) undertaken, this supersedes all insurance Agents Unlicensed opinions and legally settles the matter completely. 

Before December 2022, many insurance companies, including Citizens, “recognized roof coatings as a valid maintenance strategy, especially if the coating enhanced wind resistance or hurricane protection. These coatings were even required to meet Florida Building Code standards.”  Despite this, some insurers still try to scare homeowners into thinking that sealing the roof is a bad idea.

What Does a Wind Mitigation Inspection Involve?

A wind mitigation inspection assesses your home’s ability to withstand strong winds and hurricanes. During the inspection, a certified professional will evaluate several key areas of your home. Here’s what the inspection typically involves:

• Roof Shape and Design: The inspector will examine your roof’s shape (e.g., hip roof or gable roof) and assess how well it can resist wind uplift. Many believe that a good roof coating is merely about aesthetics, but Roof Shield’s Hurricane Roof Coating System is more than just paint. It offers a proven solution against extreme wind conditions, backed by the TAS 106 Wind Uplift Test—a benchmark for proving that high winds won’t rip tiles from your roof. This system is specifically engineered to seal and protect against the dangers posed by hurricanes.
• Roof Covering Materials: The condition and type of roof covering, such as shingles or tiles, are inspected to determine their durability against wind and debris.
• Roof-to-Wall Connections: The inspector will check how securely your roof is connected to the walls, focusing on features like hurricane clips, straps, or other anchoring systems.
• Attic Ventilation and Protection: The inspection includes a  HYPERLINK “https://maps.app.goo.gl/sfHwX4Y6cjZBiWRo9″review of attic ventilation systems and any protective measures in place, like reinforced soffits, that prevent wind from entering the attic.
• Window and Door Protection: Impact-resistant windows, doors, and storm shutters are evaluated for their ability to withstand windborne debris.
• Secondary Water Barrier: The presence of a secondary water barrier under the roof covering, which prevents water intrusion if the roof is damaged, is also assessed.
• Overall Structural Integrity: The inspector checks for any additional reinforcements or upgrades that contribute to the home’s overall wind resistance, such as reinforced garage doors or anchored foundations.

Within the difficult climate conditions of Florida, homeowners have to maintain the integrity of their roofs. The unbearable sunlight heat rays, heavy downpours, and sporadic fierce winds can spoil the roof’s longevity considerably. However, a pragmatic approach exists to enhance the life span of your roof. This is known as an Additional Roof Life Certification. This procedure not only saves your top cover but also ensures that it meets requisite insurance stipulations.

What is Additional Roof Life Certification?

Additional Roof Life Certification is one that comprehensively checks and evaluates your roof’s current state. The aim here is to ascertain how much longer it can continue to provide sufficient protection. Roofing professionals check for wear and tear, structural integrity, and other factors that may shorten the life span of the roof during this period.

Because the weather can be unrelenting on roofs in Florida, this certificate has much importance there. Over an extended duration, it offers an objective assessment based on hard facts that enable people to decide on repairs or maintenance of their houses’ roofs. Also, insurance companies need such certificates like the Citizens Roof Certification Form as proof that the policyholder’s property is still secure from loss through claim form submission.                                 

Benefits of Additional Roof Life Certification:

1. Cost Savings
The outstanding benefit of Additional Roof Life Certification is potential cost savings. The reason is roof replacements can be costly affairs, something that not many homeowners are prepared for. This way, they will be able to circumvent expensive roof replacements or postpone them altogether by extending tile roof life expectancy in Florida through this certification process and identifying specific maintenance. This will result in prolonged use, hence cutting down long-term costs on the roofing material involved here in this case, as mentioned previously.

2. Environmental Impact
Moreover, prolonging the lifespan of an old roofing system is eco-friendly as well. Manufacturing and transporting fresh roofing supplies lead to acid rain produced by carbon emissions and loss of assets. By taking care of your existing rooftop, you lessen the need for new materials, hence reducing the impact on Mother Earth. It is a sustainable way that promotes reusing and conserving used materials.

3. Insurance Compliance on Older Cement Tile Roofs in Miramar Florida
In Florida, numerous insurance companies require roofs to meet specific standards for coverage in order to deal with severe weather conditions in our area. and they have a time limit or age a roof can be before it is ineligible for insurance. If you have an existing older cement tile or Spanish tile roof and if it is cleaned, repaired and sealed or painted professionally it can completely restore the roof tile or flat roofs condition and will comply with legislative changes enacted by Senate Bill 2-D, Citizens’ roof rules will be updated effective May 1, 2023, for new business and September 1, 2023, for renewing policies. The changes are:

Remaining Useful Life: Risks that do not meet the roof replacement eligibility requirements ( because of their age) may still be eligible for coverage by submitting acceptable documentation verifying the roof has remaining useful life. The eligible minimum will be updated from three years remaining useful life to five years remaining useful life on roofs that exceed the maximum age.

Age: In situations where the entire roof is not replaced at the same time, the roof age will be based on the oldest part of the roof. Coverage Extensions: For roofs that qualify, coverage will be extended for a period of up to five years even if the remaining useful life shown on the inspection is greater than five years. Citizens may conduct inspections at any time to verify that the roof continues to satisfy underwriting requirements.

Condition: The condition rule citing excessively patched areas will be revised to remove the 25% reference.

Hence, through this certification, you ensure that your roof remains in its prime state for longer periods. Moreover, it helps meet insurance requirements, which offers solace in knowing that homes are protected against the unpredictable weather patterns in Florida. For more information, feel free to contact us!