Question 1

How do I know if I need a roof replacement or just a repair?

Accepted Answer

Signs you might need a full replacement include: your roof is over 15-20 years old, you have widespread missing or curling shingles, there's daylight visible through your roof boards, or you've experienced severe storm damage. Check our guide on Signs Your Roof Needs Replacement for more details. We provide free, honest inspections to give you a clear assessment.

Question 2

How long does a roof replacement take?

Accepted Answer

Most residential roof replacements in Pensacola are completed in just 1 to 2 days. We pride ourselves on efficiency and clean jobsites. We'll strip the old roof, install the new system, and perform a meticulous magnetic sweep of your property to ensure no nails are left behind.

Question 3

Do I need to be home for the roof inspection?

Accepted Answer

No, you do not necessarily need to be home. As long as we have access to the perimeter of your property, we can perform a full exterior roof and drone inspection. We will provide you with a comprehensive digital report including photos and our professional recommendations.

Question 4

Are you licensed and insured in Florida?

Accepted Answer

Yes, True Grit Roofing is fully licensed and insured in the state of Florida (License # CCC1337434). We carry comprehensive liability and workers' compensation insurance to protect you and your property throughout the entire project.

Question 5

Do you help with insurance claims for storm damage?

Accepted Answer

Yes, absolutely. We are experts in navigating the insurance claim process. From the initial damage inspection and documenting proof to meeting with your insurance adjuster, we advocate for you to ensure your claim is handled fairly. Read our Insurance Claim Guide for a step-by-step walkthrough.

Question 6

What is a hurricane deductible and how does it work?

Accepted Answer

In Florida, most homeowners policies have a separate deductible for hurricane damage, often calculated as a percentage of your home's total insured value (usually 2%, 5%, or 10%). This is different from your standard 'all-perils' deductible. We can help you understand how this impact your out-of-pocket costs during a claim.

Question 7

Should I call my insurance company or a roofer first?

Accepted Answer

We always recommend calling a trusted roofer like True Grit Roofing first. Why? Because we can perform a professional inspection to determine if there is actually enough damage to warrant a claim. This prevents you from filing an unnecessary claim that could impact your premiums.

Question 8

How do I spot hidden wind or hail damage?

Accepted Answer

Wind damage isn't always missing shingles; it can be 'creased' shingles where the seal has broken. Hail damage often looks like small bruises or indentations that compromise the shingle's integrity. Both can lead to leaks months later. See our Damage Gallery for visual examples.

Question 9

How much does a new roof cost in Pensacola?

Accepted Answer

The cost of a new roof varies based on home size, material choice, and roof complexity. On average, an asphalt shingle roof in Northwest Florida ranges from $8,000 to $18,000+. Metal roofs range higher but offer longer lifespans. Use our Instant Estimator for a personalized ballpark figure.

Question 10

Do you offer financing options?

Accepted Answer

Yes, we partner with Acorn Finance to offer flexible financing options with fast approvals. This allows you to get the roof you need today while paying over time with manageable monthly payments. Check our Financing Guide for more info.

Question 11

Are there any hidden costs in a roof replacement?

Accepted Answer

The most common 'unforeseen' cost is rotted decking (plywood) that is only discovered after the old shingles are removed. Florida code requires this wood be replaced. We provide a clear per-sheet price in our contracts so there are never any surprises on your final bill.

Question 12

What are the best roofing materials for Florida homes?

Accepted Answer

For Florida's harsh weather, we recommend premium Architectural Shingles (like Atlas or Owens Corning) or Standing Seam Metal Roofs. Metal offers superior hurricane resistance, while modern shingles provide excellent protection at a lower cost.

Question 13

How does salt air impact my roof in coastal areas?

Accepted Answer

Salt air accelerates the corrosion of metal components like flashing, fasteners, and vents. For homes near the water in Gulf Breeze or Pensacola Beach, we use specialized coastal-rated materials to ensure longevity. Read more in our Salt Air Impact Guide.

Question 14

What are the Florida Building Code requirements for high-wind zones?

Accepted Answer

Northwest Florida is in a 'High Velocity Hurricane Zone.' The code requires specific nailing patterns (usually 6 nails per shingle), secondary water barriers, and wind-rated materials. At True Grit Roofing, we exceed these minimums to ensure your roof is truly hurricane-ready.

Roofing Information Hub

Categories

General Roofing

Storm Damage & Insurance

Cost & Financing

Materials & Local Climate

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