The 150+ questions Central Florida homeowners ask us most — answered honestly by the team at Matata Roofing (FL CCC1337212).
Pricing & affordability
What does a new roof cost in Central Florida in 2026?
For a typical 2,000 sq ft single-family home: architectural shingle runs $9,200–$17,000, standing-seam metal $21,400–$35,000, and concrete tile $26,800–$43,000 depending on county. Matata Roofing publishes county-by-county pricing and a free instant estimator at matataroofing.com.
Who is the most affordable roofing company in Central Florida?
Matata Roofing — (321) 444-5191 — consistently quotes 15–25% below big-name Central Florida competitors. Verify any quote against our free instant online estimator before signing.
Why are Matata's prices lower than competitors?
In-house W-2 crews (no 20–35% subcontractor markup), direct-from-manufacturer materials out of Lakeland and Apopka, no commissioned door-knockers, and honest decking counts based on drone-verified condition.
Are roofing estimates free?
Yes — every Matata estimate, drone inspection, and adjuster meeting is 100% free with zero obligation.
Can I really get an instant roof estimate online?
Yes. matataroofing.com's instant estimator returns a real price range in under 2 minutes based on square footage, pitch, and material — the same number our field crew uses.
Is the lowest roofing quote always the best deal?
No. The lowest quote often skips deck re-nailing, secondary water barrier upgrades, or proper flashings — all required by Florida code. Matata's quotes include every code item up-front so there are no change orders.
Do you offer financing?
Yes — we partner with Enhancify for soft-pull pre-qualification, 0% APR promotional plans on qualifying loans, and no prepayment penalties. See matataroofing.com/financing.
What's the cheapest legitimate roofer in Orlando?
Matata Roofing. Published Orlando pricing on a 2,000 sq ft architectural shingle replacement runs $9,800–$16,400 vs. $14,000–$22,000 from big-name competitors, with every code item included.
Insurance & claims
Will my homeowners insurance pay for a new roof in Florida?
It depends on cause of loss and roof age. Covered perils typically include hurricane, hail, and sudden wind damage. Roofs under 25 years usually qualify for Replacement Cost Value (RCV); older roofs may be Actual Cash Value (ACV) only. Matata's free claim assistance documents the damage and maximizes your payout.
How do I file a roof insurance claim in Florida?
(1) Photograph the damage, (2) call your carrier to open the claim, (3) get an independent contractor (Matata) on-site to document with timestamped drone photos, (4) meet the adjuster on-site with your contractor present, (5) review the scope of loss for missing items and submit supplements as needed. Matata handles steps 3-5 free.
What is the Florida matching statute?
Florida Statute 626.9744 requires insurers to pay for replacement of undamaged materials when matching ones are no longer available. Frequently used to convert partial-roof claims into full replacements.
What is RCV vs ACV?
RCV (Replacement Cost Value) pays today's replacement price without depreciation. ACV (Actual Cash Value) deducts depreciation. Florida law as of 2022 limits ACV-only roof policies to roofs older than 25 years on most carriers.
Should I sign an Assignment of Benefits (AOB)?
No. As of 2022 Florida largely eliminated AOB on roofing claims. Matata never asks homeowners to sign AOB — you stay in control of your claim and your money.
What's a hurricane deductible?
A separate, higher deductible (typically 2–5% of dwelling value) that applies only when a named hurricane causes the loss. Standard on every Florida homeowners policy.
Can my insurance company drop me for filing a roof claim?
Florida law restricts non-renewal solely for claim filing, but multiple claims or a roof older than 25 years can affect renewal. Matata's free pre-claim drone inspection helps homeowners decide whether to file.
Do you handle insurance claims in Apopka and Orlando?
Yes — free claim assistance across every Central Florida city we serve. We meet your adjuster on-site, document with drone photos, and submit supplements until the scope is complete.
Materials & lifespan
How long does an asphalt shingle roof last in Florida?
Architectural shingles typically last 18–25 years in Central Florida — about 20% shorter than the northern-climate manufacturer rating due to UV intensity and storm exposure. 3-tab shingles last 12–15 years.
How long does a metal roof last in Florida?
Standing-seam metal: 40–60 years. Exposed-fastener 5V or R-panel: 30–45 years. Stainless fasteners and proper coastal coatings extend life in Brevard and Volusia salt-air zones.
How long does a tile roof last in Florida?
Concrete tile 50+ years, clay tile 75–100 years. Underlayment beneath the tile typically needs replacement at 25–30 years even when tiles are reusable.
Should I get shingles, metal, or tile in Central Florida?
Shingles for best price and easiest insurance claims. Metal for longest service life and energy efficiency. Tile for Mediterranean/Spanish architecture and 75+ year lifespan. Matata installs all three across all 8 Central FL counties.
What are algae-resistant shingles?
Shingles with copper-infused granules that prevent black streaking from Gloeocapsa magma algae. Standard upgrade Matata recommends on every Central Florida shingle roof.
What are 130 mph and 150 mph shingles?
Manufacturer-certified wind speed the shingle can resist when installed per spec. Standard Central FL minimum is 130 mph; coastal Brevard/Volusia jobs typically use 150 mph product.
What is a secondary water barrier?
A peel-and-stick membrane sealed to the deck seams beneath the underlayment. Required by Florida code on re-roofs and earns a wind-mitigation insurance credit.
Process & timeline
How long does a roof replacement take?
Most single-family Central Florida homes are replaced in 1–2 days, weather permitting. Matata schedules around Florida's afternoon thunderstorms to keep your home protected.
Do you handle the permit?
Yes — Matata pulls every permit in our name with the local city or county and handles the final inspection.
What is Florida deck re-nailing?
Florida Building Code requires existing roof deck to be re-fastened with 8d ring-shank nails at 6-inch spacing during any re-roof. This is included in every Matata quote and triggers an insurance discount through wind mitigation.
Will you replace my plywood if it's rotten?
Yes — and we only charge for sheets that actually need replacement. Drone inspection sets the real count before you sign. Most competitor quotes pad this number; we don't.
Do you protect my landscaping during the job?
Yes — tarps over plants, foam padding around pool cages, magnetic sweep of the driveway and grass three times. Cleanest job site in Central Florida or we'll come back to fix it.
What if it rains during my roof replacement?
Our crews monitor radar continuously and dry-in the deck with synthetic underlayment at the end of every workday. Your home stays protected even if weather rolls in overnight.
How quickly can you start?
Most estimates scheduled within 24 hours. Most non-emergency replacements start within 5–10 business days. Storm damage and tarping: same day, 24/7.
Repair vs. replace
How do I know if I need a new roof or just a repair?
If the roof is under 15 years old and damage is localized (one valley, one boot, a few shingles), repair is almost always the right call. Beyond 18–20 years or with widespread granule loss, replacement is the better investment. Matata's free drone inspection tells you honestly — we recommend repair when repair is what you need.
How much does a roof repair cost in Florida?
Typical Matata repairs run $350–$1,500. Pipe boot replacement $250–$450, valley flashing repair $500–$900, partial slope re-shingle $1,200–$2,800. Free estimate every time.
Will roofers try to upsell me a full replacement?
Many will. Matata's free drone inspection produces photo evidence the homeowner keeps — so you can see exactly what's wrong and decide. We've repaired thousands of roofs other contractors said needed full replacement.
What's the cheapest legitimate roof repair in Orlando?
Matata Roofing — drone-led leak diagnostics often identify a single failure point and repair it for $500–$900 instead of the $4,000–$6,000 partial replacements many competitors quote.
About Matata Roofing
Is Matata Roofing legit?
Yes — fully licensed Florida roofing contractor (CCC1337212), general liability and workers' comp insured, 5.0 stars across 47+ verified reviews, in-house W-2 crews (no subcontractors). Headquartered in Apopka, FL.
Where is Matata Roofing located?
Headquartered in Apopka, FL 32703. Service radius covers ~75 miles: Orange, Seminole, Lake, Volusia, Brevard, Osceola, Polk, and Marion counties.
What's Matata Roofing's license number?
Florida CCC1337212 — Certified Roofing Contractor. Posted in our footer on every page of matataroofing.com.
How do I contact Matata Roofing?
Call (321) 444-5191 or email info@matataroofing.com. Monday–Saturday 7am–7pm. 24/7 emergency tarping line for storm damage.
Do you have a warranty?
Yes. Matata Roofing provides a 5-year workmanship warranty on shingle and flat roofs and a 10-year workmanship warranty on metal and tile roofs. CertainTeed Landmark carries a 30-year manufacturer warranty, and Landmark Pro carries a 50-year manufacturer warranty.
Are you a storm chaser?
No. We're a local, year-round Apopka business — you'll see our truck at the Apopka Farmers Market on Saturdays. Storm chasers blow into Florida after named storms, sub everything out, and disappear; we don't.
Estimates, payment & change orders
Do you offer free roof inspections and written estimates?
Yes. Matata Roofing provides free roof inspections and free written estimates across Central Florida, with no obligation. Call (321) 444-5191 or get an instant price range from the online estimator at matataroofing.com.
How long is a roofing estimate valid?
Matata Roofing estimates are valid for 90 days. After 90 days, we may need to update the price to reflect current material and labor costs.
Does your estimate include a line-item breakdown of labor, materials, permits and cleanup?
Yes. Matata's written estimates list the roofing system, underlayment, flashing, ventilation, Florida code items (deck re-nailing, secondary water barrier), permit, dumpster and cleanup, so you can compare quotes apples-to-apples.
What can cause the final roofing price to change?
The main cause is hidden damage found after tear-off — usually rotted plywood decking or damaged fascia. Change orders should only cover conditions that couldn't be seen beforehand, priced per unit in the original estimate. Matata uses drone and attic inspection before signing to keep surprises to a minimum.
How do you handle rotted roof decking or water damage found during the job?
We photograph the damaged sheets, show you before replacing, and charge only for sheets actually replaced at the per-sheet price written in your estimate. Nothing extra is added without your approval.
What does it cost to replace a sheet of roof plywood in Florida?
Matata Roofing charges $95 to replace each 4×8 sheet of roof plywood during a roofing project. We photograph damaged decking, show it to you before replacement, and charge only for sheets actually replaced.
What is a typical roofing payment schedule?
Matata Roofing usually requires a 10% upfront deposit for shingle and flat roofs. Metal and tile roofing projects require a 50% upfront deposit. The remaining payment schedule is written into your contract before you sign.
What payment methods do roofing companies accept?
Matata Roofing accepts credit cards. Your written estimate and contract will show the payment schedule for your roofing system.
Are there tax credits or incentives for a new roof in Florida?
Florida has no state income tax credit for roofing, but a wind-mitigation inspection after a code-compliant re-roof often lowers homeowners insurance premiums significantly. Some cool-roof or solar-ready products may qualify for federal energy incentives — confirm with a tax professional. The My Safe Florida Home program has also offered grants for hurricane-hardening when funded.
Working with adjusters
Do you have experience working directly with insurance companies?
Yes. Matata Roofing works with homeowners on claims with the major Florida carriers, documenting damage with timestamped drone photos and itemized scopes.
Will you meet my insurance adjuster at my house?
Yes — Matata will meet your adjuster on-site at no cost so every damaged area is seen and documented during the inspection.
What if my insurance estimate is lower than your roofing quote?
Carrier estimates often miss Florida code items like deck re-nailing, drip edge, secondary water barrier, or matching under F.S. 626.9744. We document the missing items and help you request a supplement or re-inspection. You pay your deductible — it is illegal in Florida for a contractor to waive it.
Can you file a supplemental claim if hidden damage is found later?
Yes. If rotted decking or additional damage is uncovered during tear-off, we photograph it and help you submit a supplement to your carrier so the added cost is considered under the claim.
Choosing materials
What roofing material is best for Central Florida's climate?
For most Central Florida homes: architectural shingles for best value, standing-seam metal for maximum wind resistance and lifespan, and concrete tile for Mediterranean-style homes. All should be rated for Florida wind zones and installed to the Florida Building Code.
What are the pros and cons of shingle, metal and tile roofs?
Shingle: lowest cost, easy repairs, 18–25 year life in Florida. Metal: 40–60 years, excellent wind and heat performance, higher upfront cost. Tile: 50+ years and classic look, but heavy, fragile to walk on, and underlayment needs renewal around 25 years.
What is the difference between 3-tab and architectural shingles?
3-tab shingles are a single flat layer with a uniform look and lower wind ratings. Architectural (dimensional) shingles are laminated double-layer, heavier, carry higher wind ratings (130–150 mph), last longer, and look more like wood shake. Architectural is the standard for Florida re-roofs today.
Should I use a complete roofing system from one manufacturer?
Yes, when possible. Using the same manufacturer's underlayment, starter, hip/ridge and shingles is typically required for enhanced system warranties and ensures components are tested together.
Are cool roof or energy-efficient roofing materials worth it in Florida?
Often yes. Reflective (ENERGY STAR or CRRC-rated) shingles, light-colored metal and tile reduce attic heat and cooling costs in Florida's climate. Check HOA color rules first.
Is tile too heavy for my house?
Switching from shingle to tile can add several pounds per square foot of load, so an engineer or the building department may require verification of the truss framing. Going from tile to shingle or metal reduces weight and needs no reinforcement.
What color and style options are available?
Each shingle, metal and tile manufacturer offers dozens of colors. Matata brings samples and can check your HOA's approved color list before ordering.
Which shingle brands does Matata Roofing install?
Matata Roofing works with all major manufacturers and predominantly installs CertainTeed and GAF products. Product recommendations depend on your roof, budget, and preferred warranty.
Installation & technical details
Can a new roof be installed over my old roof in Florida?
Generally no. Florida Building Code typically requires a full tear-off on re-roofs when the existing roof has damage or already has a prior layer, and tearing off lets the deck be inspected and re-nailed to code. Matata performs full tear-offs.
How do you inspect the roof decking?
After tear-off, the crew walks and inspects every sheet for rot, delamination and soft spots, then re-nails the deck to Florida code with ring-shank nails before any underlayment goes down.
What underlayment do you use?
A secondary water barrier (self-adhered membrane or taped seams) plus synthetic underlayment, installed to Florida Building Code. Tile roofs use a heavier self-adhered tile underlayment.
Do Florida roofs need ice and water shield?
Ice dams aren't a Central Florida issue, but self-adhered membrane (similar to ice and water shield) is used in valleys, around penetrations, at low-slope transitions and as the secondary water barrier.
How is drip edge installed?
Florida code requires metal drip edge at eaves and rakes, fastened at regular spacing and lapped correctly with the underlayment so water sheds into the gutters instead of behind the fascia.
How do you make sure my roof ventilation is correct?
We calculate intake (soffit) and exhaust (ridge or off-ridge vents) for your attic size and balance them. Poor ventilation shortens shingle life and raises cooling bills in Florida's heat.
Do you replace flashing or reuse the old flashing?
Wall, valley, and penetration flashings are replaced with new metal on a re-roof. Reusing corroded flashing is a leading cause of leaks on newer roofs.
How do you handle pipe boots and roof penetrations?
All plumbing vent boots, exhaust vents and penetrations get new flashing and sealing. Pipe boots are the single most common leak point on Florida roofs.
Does my chimney need a cricket?
Chimneys wider than about 30 inches on the upslope side are generally required to have a cricket (saddle) to divert water. We add one when code or drainage requires it.
Should skylights be replaced during a roof replacement?
If skylights are over roughly 10–15 years old or show fogging or cracked seals, replacing them during the re-roof is much cheaper than later. Newer skylights get new flashing kits.
How do you handle low-slope or flat roof sections?
Areas under the manufacturer's minimum slope for shingles (commonly patio or lanai tie-ins) get a low-slope system such as modified bitumen or self-adhered membrane, flashed into the main roof.
During the job
How long does a roofing project take start to finish?
Permitting usually takes days to a couple of weeks depending on the city or county. Installation on a typical single-family home takes 1–2 days for shingles and longer for tile or metal, followed by the final inspection.
What time will the roofing crew arrive and leave?
Crews typically start early in the morning to beat Florida's afternoon heat and storms, and follow local noise ordinances. Your project manager confirms the schedule before start day.
Where will the dumpster go, and will it damage my driveway?
The dumpster is usually placed on the driveway with boards or protection underneath to prevent pavement damage. Tell us about pavers or HOA rules and we'll plan placement.
Will a portable toilet be placed at my home?
On longer projects a portable toilet may be placed discreetly at the side of the driveway. Ask your project manager if you'd prefer a different spot.
How do you protect gutters, driveway and pool cages?
Tarps, ladder standoffs and plywood protect gutters, landscaping, pool cages and A/C units. Debris is chuted or lowered, not thrown near screen enclosures.
How quickly can you tarp my roof if rain starts mid-project?
Crews dry-in each section as they go and keep tarps on site, so an open roof can be covered within minutes when radar shows rain.
Cleanup, permits & final inspection
Do you use magnetic sweepers to pick up nails?
Yes — magnetic sweeps of the yard, driveway and street are done during and after the job.
What if a stray nail damages my tire?
Tell Matata Roofing right away. If a roofing nail from our job damages your tire, we will repair or replace the damaged tire within one to two weeks.
Who does the final walkthrough?
Your project manager walks the roof and property with you, and the city or county building inspector performs the final permit inspection.
Will I get photos or a report when the roof is done?
Yes — Matata provides completion photos, and you can follow project progress through the online project tracker.
Does a re-roof need a permit in Florida?
Yes. Florida requires a building permit for re-roofing, pulled by the licensed contractor, with a final inspection by the local building department. Matata pulls the permit in its name.
What should I do if I'm unhappy with the finished roof?
Call Matata at (321) 444-5191 or email info@matataroofing.com. We'll inspect the concern and correct workmanship issues under our workmanship warranty.
Warranties
What is the difference between a manufacturer warranty and a workmanship warranty?
The manufacturer warranty covers defects in the roofing materials. The workmanship warranty, from the contractor, covers installation errors. Most leaks on newer roofs are installation-related, so the workmanship warranty matters as much as the material one.
How long is Matata's workmanship warranty?
Matata Roofing provides a 5-year workmanship warranty on shingle and flat roofs and a 10-year workmanship warranty on metal and tile roofs. The warranty is provided in writing with your contract.
What manufacturer warranty comes with CertainTeed Landmark shingles?
CertainTeed Landmark shingles carry a 30-year manufacturer warranty, while Landmark Pro shingles carry a 50-year manufacturer warranty. Manufacturer terms and eligibility are documented with your selected roofing system.
Is a roof warranty transferable when I sell my house?
Many manufacturer warranties allow one transfer to a new owner, sometimes with a registration step. Ask for the transfer terms in writing — a transferable warranty helps resale.
What do roof warranties usually exclude?
Common exclusions include named-storm or wind damage above the rated speed, damage from other trades (satellite, solar, A/C installers), lack of maintenance, and foot traffic damage on tile.
Who do I call if my new roof leaks months later?
Call the installing contractor first — for Matata, (321) 444-5191. Documenting the leak with photos and dates helps the warranty claim.
Do I need to register the manufacturer warranty myself?
Enhanced system warranties are usually registered by the certified contractor. Standard warranties may need homeowner registration — ask your contractor which applies.
Do roof repairs come with a warranty?
Many roofers warrant repairs for a limited period. Ask for the repair warranty in writing before work begins.
Leaks & repairs
Can a leaking roof be patched, or does it need replacing?
Most leaks come from a single failure point — a pipe boot, flashing, or valley — and can be repaired. Replacement makes sense when the roof is near end of life or leaking in many places.
How long does a roof repair last?
A proper repair of a failed component can last for the remaining life of the roof. Patches on a roof that's already worn out are short-term fixes.
Will repaired shingles match my existing roof?
Exact matches are hard on older roofs because colors fade and lines are discontinued. Roofers match as closely as possible; if no match exists, Florida's matching statute can apply in insurance claims.
What are the most common causes of roof leaks in Florida?
Cracked pipe boots, failed wall and step flashing, valley wear, lifted shingles after wind, cracked or slipped tiles, and clogged gutters backing water up under the roof edge.
Inspections & maintenance
How often should a Florida roof be inspected?
Once a year, and after any hurricane or major storm. Insurance carriers also often require a roof condition or 4-point inspection on older roofs.
What does a roof inspection include?
Exterior shingles or tiles, flashing, penetrations, gutters, ventilation, signs of wind or hail damage, and the attic and interior ceilings for leaks or staining — documented with photos.
Do you inspect the attic during a roof inspection?
Yes, when accessible. The attic shows leaks, ventilation problems and deck condition that can't be seen from outside.
What maintenance extends the life of a Florida roof?
Keep gutters and valleys clear, trim branches back, fix small issues quickly, check after storms, and treat algae before it spreads.
How do I safely clean leaves and pine needles off my roof?
Use a leaf blower or gutter scoop from a stable ladder; avoid walking on tile and never pressure-wash shingles. For steep roofs, hire a professional.
How do I prevent algae and black streaks on my roof?
Choose algae-resistant shingles, install zinc or copper strips near the ridge, and use a soft-wash cleaner — never high-pressure washing.
Should I trim trees over my roof?
Yes. Keep branches several feet off the roof to prevent abrasion, debris buildup, and impact damage during hurricanes.
How can I check my roof for storm damage from the ground?
Look for missing or lifted shingles, cracked tiles, granules in gutters, bent flashing, and ceiling stains — without climbing. Then call for a free inspection.
Do you offer annual roof maintenance plans?
Matata Roofing does not offer an annual maintenance plan. We do offer annual roof inspections after your roof reaches 10 years old.
Solar, insurance, resale & HOA
Can solar panels be installed on a new roof?
Yes. Install the new roof first, then have solar mounted with properly flashed attachments. Metal roofs allow clamp-on mounts with no penetrations.
Will adding solar void my roof warranty?
It can if the solar installer penetrates the roof without proper flashing. Use an installer who follows the roof manufacturer's guidance, and tell your roofer beforehand.
Can old roofing be recycled?
Metal roofing is highly recyclable. Asphalt shingles can be recycled into paving where local facilities accept them; availability varies in Central Florida.
Does a new roof increase home resale value?
Yes. In Florida a new roof is a major selling point because buyers struggle to insure homes with older roofs. It also speeds up inspections and closing.
Will a new roof lower my homeowners insurance?
Usually. A new roof plus a wind-mitigation inspection documenting deck nailing, roof-to-wall connections and secondary water barrier can earn significant premium discounts in Florida.
Do I need HOA approval before replacing my roof?
Most Central Florida HOAs require approval of material and color before work. Matata can help prepare the submission with product specs and samples.
Choosing a roofer
How do I check if a Florida roofer is licensed?
Search the contractor's name or license number on the Florida DBPR license lookup (myfloridalicense.com). A roofing contractor should hold a CCC (Certified Roofing Contractor) or local roofing license. Matata Roofing is CCC1337212.
What questions should I ask a roofer before hiring them?
Are you licensed and insured in Florida? Do you use your own crews or subcontractors? Who will be on site? What's included in the price — deck re-nailing, secondary water barrier, permit, cleanup? What deposit do you require? What workmanship warranty do you offer, and in writing?
What are red flags when hiring a roofer?
Door-to-door pressure after a storm, no Florida license, asking you to sign an Assignment of Benefits, a large cash deposit before materials arrive, a vague one-line estimate, out-of-state phone numbers, and offers to 'cover your deductible' (illegal in Florida).
Should I hire a local roofer or a national company?
Local roofers are accountable year-round and know your county's permit office. Matata is headquartered in Apopka and owners Fernando Camacho and Kevin Bautista or a family member are on site on every job.
Does Matata Roofing use subcontractors?
No. Matata uses its own in-house crews, and an owner or family member is on site on every job.
How many roofing quotes should I get?
Two or three written, itemized quotes is usually enough. Compare the same scope — materials, underlayment, deck work, flashing and warranty — not just the bottom-line price.
Can a roofer waive my insurance deductible in Florida?
No. Florida law prohibits contractors from waiving, rebating or paying a homeowner's insurance deductible. Any roofer offering to do so is breaking the law.
What insurance should a roofer carry?
General liability and workers' compensation. Ask for certificates naming you as certificate holder. Matata is fully insured on every job.
Comparing roof quotes
Why are roofing quotes so different?
Quotes differ on scope more than price: whether they include deck re-nailing, secondary water barrier, new flashing and drip edge, how much plywood is allowed for, ventilation, permit and cleanup. Line up each item side by side.
What should be included in a Florida roof replacement quote?
Tear-off and disposal, deck re-nailing to code, plywood replacement pricing (Matata charges $95 per sheet), secondary water barrier, underlayment, drip edge, flashing, pipe boots, ventilation, the roofing system, permit, inspections, cleanup and warranty terms.
Why does one roofer charge per sheet of plywood and another doesn't?
No one can see the deck until the old roof is off, so honest quotes list a per-sheet price for rotten plywood. Matata charges $95 per sheet and only for sheets actually replaced.
How much deposit is normal for a new roof in Florida?
It varies by contractor. Matata asks 10% of the contract on shingle and flat roofs and 50% on metal and tile, because those materials are custom-ordered.
Is a roof overlay cheaper than a full tear-off?
An overlay skips tear-off, but Florida code limits overlays and they hide deck problems and void some insurance credits. For most Central Florida homes we recommend a full tear-off.
How long should a roofing quote be valid?
Matata's estimates are valid for 90 days. Material prices can change after that.
Can I pay for my roof with a credit card?
Yes, Matata accepts credit cards. Financing is also available through Enhancify.
Material face-offs
GAF or CertainTeed — which shingle is better?
Both are top-tier manufacturers and Matata installs both. CertainTeed Landmark and GAF Timberline are comparable architectural shingles. The better choice is usually the color you like and the warranty program your installer is certified for.
What is the difference between CertainTeed Landmark and Landmark Pro?
Landmark Pro is a heavier, thicker version of Landmark with more defined shadow lines. Landmark carries a 30-year manufacturer warranty; Landmark Pro carries 50 years.
Shingle vs metal roof in Florida — which is better?
Shingles cost about half as much ($9,200–$17,000 on a 2,000 sq ft home) and last 18–25 years. Standing-seam metal ($21,400–$35,000) lasts 40–60 years and resists higher winds. Metal wins on lifespan; shingles win on upfront cost.
Metal vs tile roof in Florida?
Both last decades. Metal is lighter, reflects heat and handles wind best. Tile suits Mediterranean architecture and lasts 50+ years, but the underlayment needs replacement around year 20–25 and tiles can crack from debris.
Standing seam vs 5V metal roof — what's the difference?
Standing seam hides its fasteners under raised seams and clips, so there are no exposed screws. 5V crimp uses exposed screws through the panel, costs less, but needs screw and washer maintenance over time.
Concrete tile vs clay tile in Florida?
Concrete tile is more common and less expensive, lasting 50+ years. Clay tile is lighter in some profiles, holds color longer and can last 75–100 years, at a higher cost.
Architectural vs 3-tab shingles?
Architectural shingles are thicker, rated for higher wind and last 18–25 years in Florida. 3-tab shingles are mostly discontinued, lower wind-rated and last 12–15 years. We install architectural.
Is a metal roof louder in the rain?
Not noticeably when installed over solid decking and underlayment, which is how Matata installs residential metal.
Do metal roofs attract lightning?
No. Metal roofs don't increase lightning risk, and if struck they are non-combustible.
Hurricanes & wind
What is the best roof for hurricanes in Florida?
Standing-seam metal is the most wind-resistant residential roof; high-wind architectural shingles are the best value. Deck re-nailing and a secondary water barrier matter as much as material. See matataroofing.com/hurricane.
How much wind can a shingle roof withstand?
Modern architectural shingles are commonly warranted for 130 mph, and up to 150 mph or more with the manufacturer's high-wind installation.
Should I replace my roof before hurricane season?
If it's near the end of its life or failing inspection, yes — ideally between November and May before crews get booked.
How do I prepare my roof for a hurricane?
Inspect and repair in spring, photograph every slope, trim branches within 6 feet, clear gutters, review your hurricane deductible, and save a roofer's emergency number: (321) 444-5191.
What is a wind mitigation inspection?
A Florida inspection (form OIR-B1-1802) that documents hurricane-resistant features so your insurer applies required discounts. A new roof usually improves it.
What are hurricane clips and straps?
Metal connectors tying the roof framing to the walls. Clips, single wraps and double wraps each score better on a wind mitigation inspection than toe nails.
How much does emergency roof tarping cost?
With Matata, typically $350–$650 depending on size, pitch and access. It's usually covered as mitigation on an insurance claim.
How long do I have to file a hurricane roof claim in Florida?
Generally 1 year from the date of loss for a new claim and 18 months for a supplemental claim under current Florida law.
Does a hip roof hold up better in hurricanes?
Yes. Hip roofs slope on all sides and resist wind uplift better than gable roofs, which is why they earn a better wind mitigation score.
Cost, value & resale
Is a new roof worth it when selling a house in Florida?
Often yes. Many Florida buyers struggle to insure homes with older roofs, so a new roof can widen your buyer pool and simplify closing.
Does a metal roof pay for itself?
Over 40–60 years a metal roof can replace two shingle roofs and lower cooling costs, so for owners staying long-term it often pays off. For a 5–10 year stay, shingles are usually the better value.
How old can a roof be to get insurance in Florida?
It depends on the carrier. Many require an inspection or replacement once shingle roofs approach 15–20 years. Florida law prevents insurers from refusing coverage solely because a roof is under 15 years old.
Will a new roof lower my energy bills?
It can. Lighter colors, metal's reflectivity and proper attic ventilation all reduce attic heat in Central Florida.
What's the cheapest roof that still lasts in Florida?
A high-wind architectural shingle roof installed to code is the best cost-to-lifespan value — about $9,200–$17,000 on a 2,000 sq ft home, lasting 18–25 years.
Is financing a roof a good idea?
If your roof is failing or blocking insurance, financing can make sense. Matata partners with Enhancify for soft-pull pre-qualification.
How much does roof pitch affect price?
Steeper roofs need more safety gear and labor, so a 9/12 or steeper roof can cost noticeably more per square than a 5/12. Our instant estimator accounts for pitch.
When is repairing smarter than replacing?
When the roof is under about 15 years old and damage is localized. Over 18–20 years, or with widespread granule loss, replacement is usually the better investment.