Roof Replacement in Homestead, FL: Permits, Insurance & Cost
Homestead is in Miami-Dade County, inside the High-Velocity Hurricane Zone. The City of Homestead applies the 2023 Florida Building Code HVHZ requirements (since December 2023): ring-shank nails meeting ASTM G85, an Owner Notification for Roofing Considerations form on every reroof, uplift calculations for tile, uplift tests for adhesive/mortar-set tile, gutters where overhang is 6 inches or less, and in-progress hot mop inspections. Some addresses near Homestead are in unincorporated Miami-Dade instead — check your folio. City permit fees not yet verified.
Insurance
Roof-age rules are statewide: see the 15-year rule and Citizens roof requirements.
This area is in the HVHZ: HVHZ guide.
Contractors
We do not recommend specific contractors yet. Always verify the license with Florida DBPR and get 2–3 written estimates.
Sources
Last reviewed: November 2, 2026. Rules change; confirm with the official source.