Saint Pauls Roofing & Construction Saint Pauls Roofing& Construction · Tampa Bay 656-900-1400

Your Roof Turns 15. Your Insurance Company Is Counting.

Free certified roof inspection for South Tampa and Pinellas homeowners. Know where you stand before your insurer decides for you.

Licensed & insured, FL CCC1337108 Locally owned, Tampa Bay Inspections within 48 hours

Get your free roof inspection

Takes 30 seconds. No pressure, no obligation.

Enter a 5-digit ZIP code.
Enter your name.
Enter a valid phone number.

You're on the schedule.

We'll call you within one business hour to confirm your free inspection. Want to lock it in right now?

Book My Inspection Online

Or call 656-900-1400

Prefer to talk? Call 656-900-1400

15 yearsthe roof age when Florida insurers can demand an inspection
+280%rise in Florida home policy non-renewals since 2018
10-30%typical premium savings after a new roof with wind mitigation

The 15-year rule is real. Here's how you stay ahead of it.

Once your roof passes 15 years, your insurance company can require a certified inspection proving at least 5 years of life left. Fail it, or skip it, and you're looking at non-renewal or a forced replacement on their timeline.

  • A new Florida law (July 2026) gives you the right to an independent inspection before an insurer can drop you over roof age.
  • Your roof might pass. We tell you honestly. If it certifies for 5+ more years, you keep your policy and spend nothing.
  • If it doesn't, replacing on your schedule beats replacing on your insurer's. We handle the wind mitigation paperwork that earns the premium discount.
Roofing inspector examining a shingle roof in a Florida neighborhood

The roof that pays part of its own bill.

Tampa Bay carries some of the highest home insurance premiums in the country. A new roof, documented on a wind mitigation form, typically cuts that premium 10 to 30 percent. Between the discount and financing, most homeowners are surprised how small the monthly difference is.

We walk you through the real numbers for your home at the inspection. No inflated quote, no pressure.

Typical Tampa Bay replacement, financed over 10 years

Architectural shinglefrom $158/mo
Standing-seam metalfrom $264/mo
Clay barrel tilefrom $396/mo

Example figures at 9.99% APR on typical Tampa project costs. Your quote depends on roof size, pitch, and material. Financing subject to credit approval.

We know the roofs in your neighborhood.

South Tampa and Pinellas homes aren't generic, and their roofs shouldn't be treated that way. Different streets, different materials, different rules.

Terracotta barrel tile roof detail

Barrel tile: Davis Islands, Snell Isle, Palma Ceia

The 1920s Mediterranean Revival stock runs on clay tile. We repair and match existing tile before recommending replacement, and we know the historic-district approval process in Hyde Park.

Standing seam metal roof on a coastal Florida home

Standing-seam metal: waterfront and coastal

Salt air and wind exposure on Bayshore, Beach Park, and the Pinellas beaches favor metal. Higher wind rating, longer life, and strong insurance treatment.

Architectural shingle roof close-up

Architectural shingle: bungalows and mid-century

The workhorse for Craftsman and ranch homes across Tampa and St. Pete. Installed to current wind code with the documentation your insurer wants to see.

What happens after you reach out

1

Inspect

A certified inspection of your roof within 48 hours, with photos of everything we find. Free, whether or not you hire us.

2

Report

A straight answer: pass, repair, or replace. If insurance is involved, we handle the paperwork and the wind mitigation form.

3

Roof

If you choose to move forward, most installs are done in 1 to 3 days, cleaned up like we were never there.

A local operator, not a call center.

Saint Pauls Roofing & Construction is run by Sean Franklin out of Tampa, with a crew carrying 30+ years of construction experience. When you call, you talk to the people doing the work, not a national franchise's intake line. Homeowners who've worked with Sean describe the same thing: shows up on time, tells you the truth about your roof, and doesn't charge for what you don't need.

That's the whole pitch. If your roof passes inspection, we'll tell you, shake your hand, and leave.

What homeowners say

"Sean called me and arrived on time. Honest and extremely knowledgeable. I know who I have to call when I need a new roof."

Tony, repair customer

"They walked us through every detail and answered all our questions. We dodged that bullet and now have a roof that's as good as new."

Francis, roof replacement

Common questions

Is the inspection really free?
Yes. No charge, no obligation, and you keep the photo report either way. We earn the work by being right, not by charging for a look.
My insurer sent a non-renewal letter about my roof. What now?
Don't panic and don't buy a roof yet. Under Florida law you have the right to an independent inspection first. If your roof certifies for 5 or more years of remaining life, that documentation can keep your policy alive. Start with the free inspection.
Do you handle insurance claims for storm damage?
Yes. We document the damage with photos, meet the adjuster on site, and make sure the scope covers what's actually broken. Storm claims have deadlines, so the sooner the roof is documented, the stronger your position.
How fast can you replace a roof before hurricane season peaks?
Most residential installs take 1 to 3 days once materials land. The real constraint is the calendar: peak season runs mid-August through October, and once a named storm is on the map, insurers freeze policy changes. July inspections beat September emergencies.

Peak season starts in weeks. Your inspection takes 30 minutes.

Free certified inspection, photo report included, South Tampa and Pinellas. Schedule it before the August backlog.

Call 656-900-1400
Tap to Call: Free Inspection