Can a Florida roofer offer a free roof inspection?

Yes, as long as nothing of value is offered in exchange for allowing the inspection or for making a claim. A free inspection alone is a service, but adding a gift card, cash, a rebate or a deductible waiver to it is prohibited under section 489.147.

Can a roofer help a homeowner with the insurance claim?

Only within limits. A contractor who is not a licensed public adjuster may not interpret policy provisions, advise on coverage or adjust a claim on the homeowner’s behalf. Roofers can document damage and give a good faith itemized estimate.

Do the rules apply to Google and Facebook ads?

The statute covers written and electronic communications that encourage a consumer to contact a contractor or public adjuster about a roof damage insurance claim, and soliciting includes electronic contact. Treat online ads that mention insurance claims as covered and include the disclosures.

What happens if a roofer breaks these rules?

The statute allows discipline under section 489.129 and fines of up to $10,000 for each violation. Actions by employees or paid solicitors working for the contractor count as the contractor’s own.

Is this legal advice?

No. It summarizes the statute as published for 2026 to help plan advertising. Confirm your ads and contracts with a Florida construction attorney.

Florida roofing advertising rules for insurance claims

By Leo Agostini, 13 years in marketing. Updated October 21, 2026.

In Florida, a roofing ad that encourages homeowners to contact you about a roof damage insurance claim must state that the homeowner pays the deductible and that waiving deductibles or filing false claims are felonies, in type at least 12 point and at least half the size of the largest font. Offering anything of value for an inspection or a claim is prohibited, and each violation can bring a fine of up to $10,000. The rules are in section 489.147 of the Florida Statutes.

The three disclosures

An ad that urges a homeowner to contact a contractor or public adjuster about a roof damage claim is a prohibited advertisement unless it says, in at least 12-point type and at least half the size of the largest font in the ad:

The homeowner is responsible for paying any insurance deductible.
Knowingly or willfully waiving or rebating a deductible, with intent to defraud, is a third-degree felony.
Filing a claim with false, incomplete or misleading information is a third-degree felony.

Door hangers, business cards, magnets, flyers, pamphlets and emails are named in the statute. Online ads and landing pages that talk about claims should carry the same disclosures.

What roofers can’t offer

No rebate, gift, gift card, cash, coupon, deductible waiver or anything else of value in exchange for letting you inspect the roof or for making a claim. Referral payments for insurance-paid work are also prohibited. Ads built around “we pay your deductible” or a gift card for an inspection are exactly what the law targets.

What changes in contracts

Roof contracts must include a notice that contractors can’t offer these incentives. Without it, the homeowner can void the contract within 10 days.
Contracts tied to insurance claims must tell the homeowner, in bold 14-point type, to confirm coverage with the insurer before signing.
After a declared state of emergency, homeowners who sign within 180 days of the event can cancel within 10 days, and the contract must say so.
Repair authorizations need a good faith, itemized estimate of the work.

How to advertise roofing well inside these rules

Most of the best roofing ads never mention insurance. They sell the replacement itself: the material, the warranty, the license, financing and how fast you can start. Claims come up at the inspection, where your team can explain the process properly. When an ad does mention claims, the disclosures go in, at the required size. And Florida also requires your license number in your advertising, under section 489.119.

After a storm, the ads matter less than the follow-up. Hundreds of requests can arrive in a weekend, and the company that answers each one in minutes books the inspections. Here is how that part works.

Questions owners ask

Can a Florida roofer offer a free roof inspection?: Yes, as long as nothing of value is offered in exchange for allowing the inspection or for making a claim. A free inspection alone is a service, but adding a gift card, cash, a rebate or a deductible waiver to it is prohibited under section 489.147.
Can a roofer help a homeowner with the insurance claim?: Only within limits. A contractor who is not a licensed public adjuster may not interpret policy provisions, advise on coverage or adjust a claim on the homeowner’s behalf. Roofers can document damage and give a good faith itemized estimate.
Do the rules apply to Google and Facebook ads?: The statute covers written and electronic communications that encourage a consumer to contact a contractor or public adjuster about a roof damage insurance claim, and soliciting includes electronic contact. Treat online ads that mention insurance claims as covered and include the disclosures.
What happens if a roofer breaks these rules?: The statute allows discipline under section 489.129 and fines of up to $10,000 for each violation. Actions by employees or paid solicitors working for the contractor count as the contractor’s own.
Is this legal advice?: No. It summarizes the statute as published for 2026 to help plan advertising. Confirm your ads and contracts with a Florida construction attorney.

Roofing ads that stay inside the law

I run Google, Local Services and Meta ads for roofing companies, written inside Florida’s rules, and track every inspection to the signed contract.

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