Regional overview

Roofing contractors across South Florida

South Florida is not one roofing market. Miami-Dade and Broward sit in the High Velocity Hurricane Zone; Palm Beach, Martin, St. Lucie and Monroe do not. Coastal exposure corrodes hardware that inland roofs keep for years. Perkins Roofing has worked the whole stretch since 1980 from two offices, Miami and Jupiter.

Founded
1980
Counties served
6
Florida offices
2

One coast, two regimes

Where the region divides

The single most important line on a South Florida roofing map is the northern edge of the High Velocity Hurricane Zone. Miami-Dade and Broward are inside it and work to the strictest roofing standard in the state. Palm Beach, Martin, St. Lucie and Monroe are outside it, and their requirements are set by the Florida Building Code as their own building departments adopt and administer it.

The second line is the water. Barrier islands and open waterfront take uninterrupted wind and constant salt-laden air, and salt attacks the metal in a roof assembly — fasteners, flashings, drip edge, valley metal, equipment supports — long before it touches tile or a membrane. A roof three miles inland with the same covering and the same age can be in visibly better condition for exactly that reason.

The third is what the buildings are. Miami and Miami Beach are dense and vertical; Coral Gables and the Town of Palm Beach have roofs that are part of the architecture and are reviewed as such; Pembroke Pines, Palm City and Port St. Lucie are planned communities whose roofs age in cohorts; Fisher Island is reached by ferry. None of those is a small difference.

Working the coast since
1980 Founded by Dean Perkins
Counties served
6
Florida offices
2 Miami and Jupiter

What it costs to insure a roof here

Six counties, six different numbers

The clearest evidence that South Florida is not one market is what homeowners pay to insure the building under the roof.

Average homeowners premium by county, and whether the county is in the High Velocity Hurricane Zone.
County Average premium, incl. wind Excl. wind Wind share HVHZ Population, 2025
Monroe $7,863$1,87176%No80,406
Palm Beach $6,323$3,17550%No1,575,726
Broward $6,136$3,00851%Yes2,013,317
Miami-Dade $5,975$3,77937%Yes2,802,029
Martin $5,899$2,47158%No166,272
St. Lucie $3,491$1,93245%No402,449

Premiums are from the Florida Office of Insurance Regulation Property Insurance Stability Report, 1 July 2026. Population is from the Census Bureau Vintage 2025 Population Estimates. The wind share column is our own arithmetic from the two premium columns, not a figure FLOIR publishes.

Read the table sideways and the region explains itself. Monroe pays the most and is not in the HVHZ. Palm Beach pays more than either county that is. Miami-Dade has the highest cost once wind is stripped out, which is about density and litigation rather than storms — FLOIR tracks Palm Beach, Broward and Miami-Dade together as “Tri-County”, with a litigated-claim rate of 27.27 per cent against 8.16 per cent for the rest of the state. And St. Lucie, the fastest-growing of the six at 22.2 per cent since 2020, is the cheapest by a wide margin.

Two offices

Who covers where

Southern counties

Covers Miami-Dade and Broward — the two High Velocity Hurricane Zone counties. Address, phone and directions on the office page.

Northern counties

Covers Palm Beach, Martin and St. Lucie — the northern counties and the Treasure Coast. Phone and map link on the office page.

Those are the only two Perkins Roofing offices. Every city below is served from one of them — there are no branch addresses and no local numbers standing in for a presence that does not exist.

Where we work

Cities across the six counties

Miami-Dade

Tile, low-slope commercial, metal and repair across a very mixed building stock, inside the HVHZ.

Miami-Dade

Condominium and high-rise membrane and coating work on a barrier island where salt and staging dominate.

Miami-Dade

Barrel tile on Mediterranean Revival houses in a city that reviews what goes back on the roof.

Miami-Dade

A private island reached only by ferry, where logistics govern the project more than the roof does.

Broward

Inland Broward planned communities of tile and shingle that reach the end of their roof life together.

Palm Beach

Coastal metal and tile, inland shingle and commercial low-slope at the top of Palm Beach County.

Palm Beach

Island estate roofs where the tile is part of the architecture and approvals precede the permit.

Martin

The Martin County seat — downtown low-slope commercial, waterfront tile and metal, inland shingle.

Martin

Oceanfront condominiums on Hutchinson Island and sheltered mainland neighborhoods across the lagoon.

Martin

Inland subdivisions and golf communities where whole streets reach the end of their roof life at once.

Martin

A narrow peninsula with salt from two directions and a tree canopy that hides the early failures.

St. Lucie

A large inland residential city of shingle and tile roofs built in identifiable waves.

St. Lucie

Older housing stock with layered roof history, a working waterfront and commercial low-slope downtown.

Service area

Every county in the service area, with the cities covered under each one.

Before you hire

How to verify a license, what permitting means, and what belongs in a quote you can actually compare.

The work itself

What a South Florida roofing contractor does

Across all six counties the work reduces to four systems and their repair: concrete and clay tile, standing-seam metal, architectural shingle on residential roofs, and flat and low-slope membrane on commercial and condominium buildings. What changes from Miami to Fort Pierce is not the system but the exposure, the jurisdiction and the logistics.

The full service list is on the South Florida roofing services hub, and completed work is in the project portfolio.

Questions

South Florida roofing FAQ

What is the High Velocity Hurricane Zone, and who is in it?

It is the strictest roofing regime in Florida, and section R202 of the Florida Building Code (Residential) defines it as consisting of Broward and Miami-Dade counties. Only those two. It is a fixed county-boundary designation in the code text, not a wind-speed trigger, which is why so much published advice gets it wrong — Monroe County has the highest design wind speeds in the state and is still not in the HVHZ, and Palm Beach is outside it despite bordering Broward. Working inside the zone means an HVHZ-approved product is required, typically evidenced by a Miami-Dade Notice of Acceptance. Outside it, the Florida Building Code applies as adopted and administered by each local building department, and that department is the authority for a specific address.

Does the same roof cost the same across the region?

No, and not only because of the code. Access and staging differ enormously — a suburban driveway, a barrier-island tower and a ferry-only island are three different logistics problems. Material specification differs with salt exposure. Permit processes differ by jurisdiction. Two identical-looking houses eighty miles apart are genuinely two different projects.

Why does insuring a roof cost so differently across the region?

Because the wind portion of the premium dominates on the coast and barely registers inland. In the Florida Office of Insurance Regulation’s July 2026 stability report, Monroe averaged $7,863 including wind but $1,871 excluding it, while Miami-Dade had the region’s highest premium excluding wind at $3,779. Palm Beach, at $6,323, costs more than either High Velocity Hurricane Zone county. Litigation is also regionally concentrated: FLOIR tracks Palm Beach, Broward and Miami-Dade as a “Tri-County” unit with a 27.27 per cent litigated-claim rate against 8.16 per cent for the rest of Florida.

How many offices does Perkins Roofing have?

Two, both in Florida: Miami and Jupiter. Miami covers Miami-Dade and Broward; Jupiter covers Palm Beach, Martin and St. Lucie. Every other city on this site is a place the company works from one of those two offices, not a place it occupies — and each city page says so.

What kind of buildings do you work on?

Single-family homes, townhomes and villas; condominium and apartment buildings, including high-rise; and commercial and industrial buildings. The systems are tile, standing-seam metal, architectural shingle and low-slope membrane, plus repair, coatings and maintenance on all of them.

How do I judge a South Florida roofing contractor?

Verify the license yourself with the state licensing authority, confirm the work will be permitted and inspected, insist on a scope written layer by layer rather than a single number, and make sure the quote states up front what happens when damaged sheathing is found. Those four checks eliminate most of the risk before any work starts.

Free estimate

One coast, two offices, six counties.

Tell us where the building is and we will tell you which office covers it and what the roof needs.