Roofing Company in Winter Haven, FL Since 1952

Ask for the state licence number, then search it on the Florida DBPR site at myfloridalicense.com. You will see the business name, the licence type, whether it is current and when it expires. Florida requires the number to appear on every proposal, contract and advertisement (s. 489.119(5)(b), Fla. Stat.). If the number is missing or does not match the company name, keep your pen in your pocket.

No. For property insurance policies issued on or after January 1, 2023, Florida law says a policyholder may not assign post-loss benefits, and an attempt is “void, invalid, and unenforceable” (s. 627.7152(13)). Older policies can still have an assignment, but only under strict rules, including a 14-day right to cancel (s. 627.7152(2)). Whatever your policy date, read before you sign and call your insurer first.

No. A roofer may not offer you a rebate, gift card, cash or a deductible waiver in exchange for an inspection or for filing a claim (s. 489.147(2)(b)), and the same section says knowingly waiving a deductible with intent to defraud is insurance fraud, a third-degree felony (s. 489.147(1)(a)). You pay your deductible. A contractor who says otherwise is putting your claim at risk.

You do. A contractor may not interpret your policy, advise you on coverage or adjust your claim unless it holds a public adjuster licence (s. 489.147(2)(d)). What a roofer can do: inspect the roof, document the damage and give you a written, itemized estimate (s. 489.147(2)(e)). Take that to your insurer. Not sure whether damage came from a storm, wear or a shingle defect? Ask for the inspection findings in writing. A shingle defect is generally a question for the manufacturer’s warranty, a different path from a storm claim.

Yes. In Florida construction, a company with even one employee needs workers’ comp (s. 440.02(20)(b)2). If a worker without coverage is hurt on your property, you can be pulled into the dispute. If a contractor sublets your job, it is responsible for the sub’s workers unless the sub has secured coverage (s. 440.10(1)(b)), and it must require proof (s. 440.10(1)(c)). Ask for the certificate and verify it in the state’s Proof of Coverage database.

Often yes. If your roof contract was signed within 180 days of a governor-declared state of emergency and your home is in the affected area, you can cancel within 10 days of signing or before the official start date, whichever comes first, without penalty (s. 489.147(6)). Send the notice by certified mail, return receipt requested. Roofing contracts must also carry a notice about insurance claims (s. 489.147(5) and (7)). If a contract is missing it, you may be able to void it within 10 days (s. 489.147(5)).

We’ve proudly served Central Florida since 1952, providing quality roofing built on trust and craftsmanship for over seven decades.

Budget Roofing is based in Winter Haven and serves Central Florida: Polk, Lake, Osceola, Orange, Hardee, Hillsborough, Pasco and Pinellas counties. Polk County is our home base, with city pages for Lakeland, Winter Haven, Haines City, Davenport, Poinciana and Ocoee. Call (863) 967-6675 to ask whether we cover your address.

Yes. Whether you need a small leak fixed or a complete re-roof, our team handles everything from repairs to full installations on residential and commercial properties.

We work with all major roofing types including shingle, tile, metal, and flat roofs using only trusted, high-quality materials suited for Florida’s weather.

Yes, we provide free, no-obligation estimates. Our goal is to help you make an informed decision without pressure or hidden costs.

Absolutely. Our team can assist you throughout the insurance claim process to ensure your roof is repaired or replaced properly and promptly.