Free at Coastline, estimate included: no trip or diagnostic fee, and a photo report you keep. Angi's July 2026 data puts a paid Tampa roof inspection at $96 to $191. Insurance forms need a licensed inspector: Florida's Insurance Consumer Advocate puts a standalone four-point at $100 to $300, and Angi puts most wind mitigation inspections nationally at $85 to $125.
The word free gets used a lot in roofing, and it doesn't always mean the same thing. A roofer's free estimate and a signed four-point or wind mitigation form for your insurer are different jobs, with different rules on who can do them. Here's what each one costs and when you actually need it.
Often, when a roofer inspects your roof to write a repair or replacement estimate. Ours is free, with no trip fee, no diagnostic fee and no obligation. An inspection that ends in a signed form for your insurer usually costs money.
Angi's roof inspection guide (updated July 15, 2026) says some roofers offer free inspections while writing a quote, and warns they may not "meet the requirements of your lending or insurance company." Its guide on estimates (July 2026) says estimates are "usually free" from the company hoping to do the work.
Florida Statutes section 489.147(2)(b) bars a contractor from offering a gift card, cash, a waived deductible or anything else of value in exchange for inspecting your roof, and section 489.147(3) allows fines up to $10,000 per violation. HomeGuide (December 2025) also warns that some roofing scams begin with an unsolicited free inspection.
Angi puts a standard roof inspection in Tampa at $96 to $191 and in Orlando at $105 to $172 (both updated July 14, 2026). Insurance forms and home inspections are priced separately, below.
| Inspection | What it's for | Range reported, by source |
|---|---|---|
| Roof inspection, Florida cities | A check of the roof's condition | Tampa: $96 to $191, average $136. Orlando: $105 to $172, average $128 (Angi, July 14, 2026) |
| Roof inspection, national | Same, including drone and infrared scans | $75 to $1,150, average $252 (Angi, July 15, 2026). $100 to $400, average $280 (HomeGuide, December 8, 2025) |
| Full home inspection | Buying or selling a house | Florida: $250 to $375 (HomeGuide, October 29, 2024). National: $296 to $424, average $344 (Angi, July 9, 2026) |
| Four-point inspection | Insurance on older homes: roof, electrical, plumbing, HVAC | Florida: $100 to $300 as a standalone service (Florida Insurance Consumer Advocate guide, undated). National: $75 to $175, most around $125 (HomeGuide, November 20, 2025) |
| Wind mitigation (form OIR-B1-1802) | Wind credits on your insurance | National: $85 to $125, average $100 (Angi, July 9, 2026). Florida: $75 to $125 (Citizens Property Insurance, 2021) |
| Four-point plus wind mitigation | Both insurance forms in one visit | National: $150 to $200 (Angi, July 9, 2026). $125 to $325 (HomeGuide, November 20, 2025) |
| Roof certification letter | Roof condition and remaining life, for an insurer, lender or buyer | National: $75 to $200 (Angi, July 15, 2026, and HomeGuide, December 8, 2025). Florida: $75 to $125 (Citizens Property Insurance, 2021) |
The national range covers very different jobs: Angi's national guide (July 15, 2026) lists a physical inspection at $75 to $200, a drone inspection at $150 to $400 and an infrared scan at $400 to $600.
These are market ranges, not our prices. Our inspection and estimate are free, and any repair or replacement is quoted individually, in writing, after we've seen the roof. Four-point and wind mitigation fees go to the licensed inspector who does that work.
When an insurer or a home sale calls for a specific signed form. Each has its own rules on who can sign, and a roofer's free estimate doesn't replace any of them. Coastline doesn't perform or sign any of these forms.
Citizens requires one on applications for homes more than 20 years old. It covers the roof, electrical, plumbing and HVAC, and generally takes about an hour, per the state's consumer guide. Citizens' own form accepts it from a Florida-licensed general, residential or building contractor, building code inspector or home inspector.
It records the features that earn wind credits, and inspections since April 1, 2026 use the Rev. 04/26 version. Florida Statutes section 627.711(2)(a) lists the signers: a licensed home inspector with hurricane mitigation training, building code inspector, general, building or residential contractor, engineer, architect, or anyone else your insurer recognizes as qualified. Roofing contractors aren't named.
Citizens wants proof of at least five years of useful life on shingle roofs older than 25 years and tile, metal or other hard roofs older than 50. Its Roof Inspection Form lists general, residential, building and roofing contractors, building code inspectors and home inspectors as signers for that form.
A buyer's home inspector must hold a license under Florida Statutes chapter 468, part XV. Section 468.8311 defines the job as a limited visual exam of the main systems, roof covering included, and section 468.8319(1)(f) bars the inspector from offering repairs on a home their company reported on.
Yes, if your home qualifies for My Safe Florida Home, the state program under Florida Statutes section 215.5586. As of September 2026, its homepage says free wind mitigation inspections are available. Check there for current status before you pay.
The program calls the inspection "free of charge and with no obligation." Under section 215.5586(1)(a)2., the home must be:
There's no income or home-value limit for the inspection, and section 215.5586(1)(c) lets you get one without applying for a grant. The program lists condos, mobile homes, second homes, vacation homes and rentals as ineligible.
Upgrade grants (up to $10,000) require an insured value of $700,000 or less, a home built before January 1, 2008, and a low or moderate income. The statute makes the program "subject to annual legislative appropriations," so check the official My Safe Florida Home website first.
Otherwise, you pay the inspector. For what the credits can take off your premium, see what a wind mitigation inspection saves.
A drone-assisted look at your roof, a written photo report that's yours to keep, and a plain answer: repair it, replace it, or leave it alone for now. If it needs work, you get a written estimate, line by line.
What it isn't: a four-point, a wind mitigation report, a roof certification or a Citizens roof inspection form. Coastline doesn't perform or sign any of those; a licensed inspector does. After every roof replacement, we coordinate a licensed wind mitigation inspector so you get a completed 1802 for your insurer.
We're a roofing contractor, not a lawyer, public adjuster or insurance agent, so for what your policy or sale requires, read your policy and ask your agent or a licensed professional.
The step-by-step is on our free roof inspection service page, and Bradenton homeowners can see our Bradenton roof inspection page.
After a named storm, before you list a house, when your insurer questions your roof's age, and whenever a stain shows up on a ceiling.
Florida Statutes section 627.7011(5)(b) says an insurer may not refuse to issue or renew a homeowner's policy on a roof less than 15 years old solely because of its age. For a roof 15 or older, section 627.7011(5)(c) says the insurer must let you have a roof inspection "by an authorized inspector at the homeowner's expense" before it requires a replacement. If it shows 5 or more years of useful life left, age alone can't be the reason to turn you down.
"Exceptional and professional service from start to finish. Loved how Josh used his drone to identify cracked and slipped roof tiles and sent us the photos. Photos also taken of completed work. Highly recommend for all roof repairs."Felicity K.Drone roof inspection, Florida Gulf Coast
"I recently reached out to Coastline roofing to get a quote for a new roof on a home I am purchasing in the Tampa Bay area. ... Within several hours I received a quote based on the exact dimensions of the roof. I was also given a quote based on possible contingencies such as wood rot which I had specifically requested."Andrew A.Roof quote for a home purchase, Tampa Bay
"I highly recommend Coastline Roofing to anyone looking for reliable, high-quality roofing services. Extremely professional and punctual. They provided a detailed estimate upfront with no hidden costs, and the quality of their workmanship is outstanding."John L.Roofing customer, Florida Gulf Coast
Not always. Angi's guide on the difference says estimates are usually free, while free standalone inspections are hard to find. Ours does both at no charge: we inspect, send the photo report, and if the roof needs work, write an itemized estimate.
Usually you do. A 2021 Citizens committee document lists four-point, roof certification and wind mitigation inspections under "Inspection costs currently paid for by customers," and section 627.7011(5)(c) puts the roof inspection on an older roof "at the homeowner's expense." The main exception is a free My Safe Florida Home wind mitigation inspection, for homes that qualify.
Citizens doesn't list roofing contractors among the professionals who can sign its four-point form. Coastline doesn't perform or sign four-point inspections. Book one with a licensed inspector, and if it flags the roof, we'll inspect it and quote the repair for free.
Ask your insurer before you book. The state's consumer guide says the report generally must be dated within the 30 days before you submit the insurance application, but each insurance company sets its own window.
Book a free, drone-assisted inspection with a written photo report you keep. No trip fee, no diagnostic fee, and if a repair will do the job, we'll say so.
Leave your name and number. We typically call back the same day during business hours. Consent to texts is not required.
