South Florida roofing service areas Find the crew, code and exposure for your property

Six: Miami-Dade, Broward, Palm Beach, Martin, St. Lucie and Monroe. That is the whole list. Work is dispatched from two offices — Miami and Jupiter — and the company holds no other locations, so anywhere you see a Perkins crew it traveled there from one of those two.

There are exactly two offices: Miami, in Miami-Dade, and Jupiter, in Palm Beach County. Broward, Martin, St. Lucie and Monroe are served from whichever of those two is closer. We would rather say that plainly than list a mailbox address in every county the way some contractors do.

Because the county sets who reviews your permit and who inspects the work, and because the physical exposure changes as you move along the coast. Wind-borne debris requirements, product approval expectations, salt exposure, roof deck age and the dominant building type all vary by county — and one of them, the High Velocity Hurricane Zone, is defined by county lines outright.

It is the most demanding hurricane-resistance regime in the Florida Building Code, and it covers Miami-Dade and Broward counties in their entirety — the zone is a fixed county-boundary designation in the code text, not a wind-speed-map trigger. Products used there must be approved for HVHZ use, typically evidenced by a Miami-Dade Notice of Acceptance, and attachment requirements are stricter: HVHZ asphalt shingle fastening requires no fewer than six approved roofing nails per shingle. Contractor sites that claim the zone extends into Palm Beach, or that parts of Monroe qualify by wind speed, are wrong. Your building department is the authority for your address.

Monroe — the Keys — and it is not the county in the strictest code regime. Design wind speeds there reach roughly 180 mph, among the highest in Florida, while Monroe sits outside the High Velocity Hurricane Zone entirely. The insurance data says the same thing from another direction: Florida Office of Insurance Regulation figures as of March 2026 put Monroe’s average annual homeowners premium at $7,863 including wind and $1,871 excluding it, meaning essentially the whole burden in the Keys is windstorm.

It used to be close to automatic and it no longer is. The rule limits repair, replacement or recovery to 25 percent of a roof area in any twelve-month period unless the whole system is brought to current code — but Florida Statute 553.844(5), added in 2022, provides that where the existing roof was built, repaired or replaced under the 2007 Florida Building Code or a later edition, only the worked-on portion must meet current requirements. The HVHZ version carries the same exception and expressly cannot be amended away by a local government. For roofs predating the 2007 code the original rule still governs, so the answer depends on the age of the existing system and on how your building department applies it.

Not below fifteen years. Florida Statute 627.7011(5)(b) provides that an insurer may not refuse to issue or refuse to renew a homeowner’s policy on a structure with a roof less than fifteen years old solely because of the age of the roof. At fifteen years or more, subsection (5)(c) allows the homeowner to pay for an inspection by an authorized inspector, and the insurer may not refuse solely on roof age if the roof has five years or more of useful life remaining. Roof age is measured from the last date 100 percent of the roof surface was built or replaced to the code then in effect. This applies to policies issued or renewed on or after 1 July 2022. No roofing contractor can promise an insurance outcome, but knowing the threshold is worth more than most advice you will get.

Distance shows up in scheduling and logistics rather than as a line item you get surprised by. It is more visible in the Keys and in St. Lucie than anywhere else, and where it affects the schedule or the material delivery plan for your job, that is said in the estimate rather than after the contract.