Roofing & Inspections
Tile, metal and shingle roofs built to the Florida Building Code, with stricter product approval rules in Miami-Dade and Broward; roof age matters to insurers statewide.
Florida
Home Services & Project Planning in Florida
Local project planning in Florida. Florida homeowners plan around hurricane season more than any other state's: wind and storm surge on both coasts, flooding from slow tropical rain inland, and an insurance market where roof age and wind mitigation features shape premiums. Concrete block homes in the south and center, wood-frame houses in the north and Panhandle, and a large share of condominiums each bring their own rules. Submit your request for Handvetted team review. Provider availability and timing are confirmed separately.
Why Handvetted
Planning your request in Florida.
01
Describe the property
Include the ZIP code, work needed and any known constraints.
02
Confirm availability
Submit your request for Handvetted team review. Provider availability and timing are confirmed separately.
03
Check the proposal
Read the verification standard and confirm the matched business’s current credentials before hiring. Compare the scope and price before hiring.
What Florida homeowners deal with
- Hurricanes and storm surge on both coasts, including Andrew (1992), Charley (2004), Irma (2017), Michael (2018), Ian (2022) and Milton (2024)
- Flooding from slow tropical systems and summer downpours, including inland areas far from the beach
- Year-round humidity that keeps air conditioners running most of the year and lets mold grow quickly after a leak
- Frequent summer lightning, especially across Central Florida and Tampa Bay
- Sinkholes in parts of west-central Florida, where limestone lies close to the surface
Six categories
Explore project categories across Florida.
Heating & Air Conditioning
Air conditioning runs most of the year, so sizing for humidity, coil corrosion near salt water and duct condition in hot attics drive most replacement decisions.
Damage Restoration
Hurricane wind and surge damage, flood cleanup and fast mold growth after leaks; post-loss assignment of benefits is barred on residential policies issued since 2023.
Home Renovation
Hardening block and frame homes against wind, raising or rebuilding after flood damage, and condominium work that needs association approval.
Homeowners Insurance
Roof age, wind mitigation features and flood zones drive premiums; flood coverage is usually a separate policy.
Mortgage & Refinance
Compare financing using the property's appraisal, existing loan and written lender estimates, and include insurance and flood costs in the monthly payment.
Regions
How Florida breaks down
- Southeast FloridaMiami-Dade, Broward and Palm Beach counties; the state's densest housing, many condominiums, and the High-Velocity Hurricane Zone building rules in Miami-Dade and Broward.
- Tampa Bay and SarasotaTampa, St. Petersburg, Clearwater, Brandon, Bradenton and Sarasota; low-lying bay shoreline exposed to storm surge, older post-war homes and fast growth in Pasco and Hillsborough.
- Central FloridaOrlando, Kissimmee, Sanford, Lakeland and the growth corridors of Lake, Osceola and Polk counties; newer subdivisions, HOAs and heavy summer lightning.
- Southwest FloridaCape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Charlotte County; canal-front homes and large areas rebuilt after Hurricane Ian in 2022.
- Northeast Florida and the Space CoastJacksonville, the St. Johns River, Daytona Beach, Palm Coast and Brevard County; nor'easters as well as hurricanes, and beach erosion on barrier islands.
- North Florida and the PanhandleTallahassee, Gainesville, Pensacola and Navarre; wood-frame homes, occasional freezes, and Gulf hurricanes such as Ivan (2004) and Michael (2018).
Florida licensing and compliance
- Contractors and roofingFlorida Department of Business and Professional Regulation (DBPR), Construction Industry Licensing Board: general, building, residential, roofing and other contractor categories under Chapter 489, Florida Statutes
- HVACDBPR Construction Industry Licensing Board: Class A, B and C air-conditioning and mechanical contractor categories
- Insurance agentsFlorida Office of Insurance Regulation (insurers and rates) and the Florida Department of Financial Services (agents, adjusters and consumer help)
- Mortgage lendersFlorida Office of Financial Regulation (mortgage lenders, brokers and loan originators)
Florida contractors are either state certified, which allows work statewide, or registered after meeting a local jurisdiction's requirements, which limits them to those jurisdictions. Roofing and air-conditioning are separate license categories. Check the exact license category on DBPR's license lookup. Official source (checked October 26, 2026).
What to confirm before hiringCity hubs
City planning guides in Florida
Each city guide offers local housing, permit and weather context. Neither a city page nor a nearby link confirms provider coverage.
#1Jacksonville949,611 residents#2Miami442,241 residents#3Tampa384,959 residents#4Orlando307,573 residents#5St. Petersburg258,308 residents#6Hialeah223,109 residents#7Port St. Lucie204,851 residents#8Tallahassee196,169 residents#9Cape Coral194,016 residents#10Fort Lauderdale182,760 residents#11Pembroke Pines171,178 residents#12Hollywood153,067 residents
All 49 Florida hubs
- Gainesville141,085
- Coral Springs134,394
- Palm Bay119,760
- West Palm Beach117,415
- Clearwater117,292
- Brandon114,626
- Lehigh Acres114,287
- Spring Hill113,568
- Lakeland112,641
- Pompano Beach112,046
- Boca Raton97,422
- Deltona93,692
- Palm Coast89,258
- Fort Myers86,395
- Melbourne84,678
- Miami Beach82,890
- Homestead80,737
- Kissimmee79,226
- The Villages79,077
- North Port74,793
- Daytona Beach72,647
- Wesley Chapel64,866
- Ocala63,591
- Wellington61,637
- Sanford61,051
- Jupiter61,047
- Port Charlotte60,625
- Bradenton55,698
- Sarasota54,842
- Pensacola54,312
- Bonita Springs53,644
- Coral Gables49,248
- Winter Haven49,219
- Titusville48,789
- Fort Pierce47,297
- Clermont43,021
- Navarre40,817
Questions
Straight answers for Florida.
Does Florida license roofers and HVAC contractors?
Yes. Roofing and air-conditioning are separate contractor categories under Florida's Chapter 489. A contractor is either state certified, which allows work anywhere in Florida, or registered in specific local jurisdictions. Check the license category on DBPR's lookup before you sign.
Which Florida communities does Handvetted cover?
These city pages provide local planning information. Submit your request for Handvetted team review. Provider availability and timing are confirmed separately. Include the property ZIP and service needed.
What happens after I submit?
Submit your request for Handvetted team review. Provider availability and timing are confirmed separately.
Is Handvetted free for homeowners?
Handvetted does not charge homeowners to submit a matching request. Participating businesses pay Handvetted for introductions. The professional sets its own prices and terms; compare the written proposal before hiring.
Plan your request in Florida
Submit your request for Handvetted team review. Provider availability and timing are confirmed separately.