Roof replacement in Cape Coral, permitted and built to the wind code
Tear-off to the deck, decking repaired, sealed with a peel-and-stick secondary water barrier, and re-covered in tile, metal or architectural shingle — with the wind mitigation report your insurer wants.
A roof replacement in Cape Coral is a code job before it's a roofing job. Lee County is in Florida's wind-borne debris region, so the details that decide whether your roof stays on in the next Ian are written into the permit: decking re-nailed with 8d ring-shank nails at 6 inches, a sealed roof deck or self-adhered secondary water barrier over the whole roof, drip edge and starter that lock the edges, six-nail shingle patterns or foam-set and screwed tile, and roof-to-wall connections checked and upgraded where the code requires it. Every one of those items is also a line on the wind mitigation form that lowers your premium.
The sequence is the same whatever you choose to cover it with. We tear off to the plywood, replace rotten or delaminated decking (there's always some on a pre-1990 home), re-nail the deck, seal it, dry it in the same day, then install the covering — tile, metal or shingle — with new flashing, boots and vents. Most single-story Cape Coral homes take one to three days; tile takes longer because it's heavier and slower. The City of Cape Coral inspector sees it in progress and at final, we close the permit, and you get the wind mitigation report, the manufacturer's warranty registration and our workmanship warranty in a folder.
What's included
Tear-off & decking
Everything off to the plywood; rotten decking replaced at a per-sheet price you know in advance.
Sealed deck & secondary water barrier
Deck re-nailed to code, seams taped or the whole deck covered in peel-and-stick — the item that keeps water out if the covering ever lifts.
Your choice of covering
Architectural shingle, concrete or clay tile, standing-seam or 5V metal, stone-coated steel — priced side by side.
Flashing, vents & boots
All new. Lanai tie-ins, valleys, walls and penetrations flashed properly, not reused.
Permit & inspections
City of Cape Coral or Lee County permit pulled under our license, in-progress and final inspections passed and closed.
Wind mitigation report
The OIR-B1-1802 form completed on the finished roof so your agent can apply every credit the roof earns.
Roof replacement cost in Cape Coral, FL
| Job | Typical price | Notes |
|---|---|---|
| Architectural shingle (2,000–2,400 sq ft home) | $13,000 – $24,000 | 130-mph rated, 6 nails, sealed deck |
| Concrete tile | $30,000 – $52,000 | Foam or screw set; 30–40 lb/sq ft |
| Clay tile | $40,000 – $70,000 | Barrel or S-tile |
| Standing-seam metal (aluminum or Galvalume) | $28,000 – $48,000 | Kynar finish; clip-attached |
| 5V crimp metal | $22,000 – $38,000 | Exposed fastener |
| Tile re-underlayment (reuse your tile) | $16,000 – $30,000 | Lift, new underlayment, relay |
| Decking replacement | $95 – $140 per sheet | Included as an allowance |
| Permit, inspections, haul-off | Included | Itemized on the estimate |
These are 2026 Lee County ranges so you can budget. Your written price is itemized — tear-off, decking allowance, underlayment, covering, flashing, permit, haul-off — and good for 30 days.
Tile, metal or shingle?
Tile is the Cape Coral look — heavy, quiet, forty-plus years for the tile itself, and the most expensive up front. Metal costs about the same as tile now, weighs a third as much, earns the best wind ratings and is what most of the new elevated homes in the Northwest are getting. Architectural shingle is half the price of either, lasts twenty years here if it's installed right, and is what most of the pre-2000 Cape was built with. Our tile vs. metal vs. shingle guide walks through cost, wind rating, insurance treatment and resale for each.
Recent work
Questions we get about roof replacement
How much does a roof replacement cost in Cape Coral?
Shingle $13,000–$24,000, metal $22,000–$48,000, concrete tile $30,000–$52,000 for a typical 2,000–2,400 square-foot home in 2026. Roof size, pitch, how many layers come off, decking condition and how many lanai and flat sections there are all move the number. We measure and give you all three options in writing.
How long does a new roof last here?
Salt air, UV and 100-inch rain years shorten everything. Realistic Lee County numbers: architectural shingle 18–25 years, metal 40–50, concrete tile 40–50 for the tile but 20–25 for the underlayment beneath it, which is why tile roofs get re-underlaid at about year 25.
Will a new roof lower my insurance?
Usually, and sometimes a lot. A new roof resets the 15-year clock in F.S. 627.7011, and the wind mitigation credits — sealed deck, secondary water barrier, roof-to-wall straps, hip shape — commonly cut the wind portion of a premium by 20% or more. We complete the wind mitigation form on the finished roof.
Do you replace roofs on canal homes with the boat lift and dock in the way?
Every week. We stage debris away from the seawall, protect the dock and lift, and haul off from the street side. Tile and shingle don't end up in your canal.
Do you pull the permit?
Always, under our state roofing license. An unpermitted roof is a problem at sale, at claim time and at inspection. The City of Cape Coral and Lee County both require a licensed roofing contractor to pull a re-roof permit.
Can I finance it?
Yes — see our insurance and financing page. Terms are approved before work starts, and there's no penalty for paying it off when the insurance check arrives.