Florida Licensed Roofing Contractor · CCC1336480 Mon–Fri 7am–7pm · Sat 9am–5pm  ·  (407) 280‑3786

Polk · Lake · Osceola · Orange counties

A written roof inspection you can send to your insurance carrier.

We go up on your roof, photograph every slope, and hand you a written finding. If it has years left, that is what the finding says, and you owe us nothing.

Free written finding Licensed & insured

Request your free inspection

We call you back the same business day to set a time.

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Aerial view of a home with a new black standing-seam metal roof
Standing-seam metal roof, finished.
Written findingDated, photographed, signed
Licensed & insuredFlorida license CCC1336480
No pressureYou decide when you are ready
Four countiesPolk, Lake, Osceola, Orange

The free inspection

An inspection that can end in “your roof is fine.”

Most free inspections are a sales call with a ladder. Ours produces a document. It takes about ninety minutes.

  1. 1

    We walk every slope

    Not a drive-by, and not a drone pass from the street. An inspector goes up and checks the field, the flashing, the boots, the valleys, and the decking underfoot.

  2. 2

    We photograph everything

    Typically thirty to fifty photographs, labeled by slope. You get all of them, including the ones that show your roof is in good shape.

  3. 3

    You get a written finding

    Numbered, dated, and signed by a licensed contractor, with an estimate of remaining useful life. Yours to keep and to forward to your carrier.

Roofer opening up a section of tile roof to inspect the decking and insulation beneath
Opening up a tile roof to see what is underneath.

Sound

Years of life left. We write it down, hand it to you, and go away. Come back to us when the finding says otherwise.

Repair

A slope, a valley, some boots, or flashing. We quote the repair and nothing more. A repair is not a re-roof, and we will not pretend it is.

Replace

The roof is at the end. You get the photographs that prove it, a scope, and dates. Then you can shop it. We expect you to.

What is under the surface

Damage you cannot see from the ground.

These photos are from our own repair jobs. A roof can look fine from the ground and still be rotting underneath.

Rotted roof decking with a hole through it, found under the membrane
Rotted decking with a hole through it, hidden under the surface.
Close-up of deteriorated wood decking on a tile roof
Decking that had softened and broken down.
Two sections of roof deck cut out and filled with foam, beside a stucco wall
Sections opened up for repair beside a stucco wall.

Why roofs fail here

We are nowhere near the coast.

Most roofers here sell storm damage. That is a coastal business. Inland, across the four counties west and south of Orlando, roofs come down for three reasons that have nothing to do with wind.

Sun

Full southern exposure bakes the asphalt binder out of a shingle. Granules loosen, the mat goes brittle, and the south and west slopes always go first.

Age

Central Florida built most of these subdivisions between 1995 and 2008. A thirty-year shingle in Florida sun is not a thirty-year shingle. Twenty is closer.

A letter

The event that actually starts most re-roofs here is a non-renewal notice in the mail. No wind, no leak, no tarp. Just a date and a requirement.

Recent work

Roofs we have put our name on.

Finished black standing-seam metal roof at dusk beside a flat section
Standing-seam metal roof, finished.
Crew installing a metal roof over synthetic underlayment, with vents and a skylight opening
Metal roof in progress.
Finished flat roof with a gray membrane and clean edge metal
Flat roof, re-covered.
Detail of metal flashing and fasteners where a metal roof meets a flat section
Flashing detail at a roof transition.
Tile roof after repair, with replaced tiles blending into the existing roof
Tile roof repair.
Three roofers laying blue underlayment on a home while the old roof edge is torn off
A crew dries in a home after tear-off.

If you do need a roof

Seven updates. Zero guessing.

Every roofer says they communicate. Here is ours, written down and countable. You get all seven whether or not you ask, from the same person, at the same number.

  1. 1

    Signed

    Your install date, and the direct number of your project lead.

  2. 2

    Materials landing

    When they arrive and where they go, clear of your garage and driveway.

  3. 3

    Crew rolling

    Arrival time, and what to move before tear-off.

  4. 4

    Deck exposed

    What we found under the old roof, with a photo and the contract rate for any repair.

  5. 5

    Dried in

    Underlayment and flashing on, so the house is watertight that night.

  6. 6

    Cleaned

    Magnet sweep of the lawn, beds and driveway, and the dumpster gone.

  7. 7

    Closed

    Final photos, warranty registration, permit close-out, and the paperwork your carrier will want.

Where we work

We work one street at a time.

We schedule by neighborhood rather than by whoever calls first. It keeps crews close, keeps dates honest, and means your neighbors can tell you how we did before you ever call us.

Polk County

Winter Haven, Davenport, Haines City, Lake Alfred, Auburndale

Lake County

Clermont, Minneola, Groveland, Montverde, Mascotte

Osceola County

Kissimmee, Celebration, St. Cloud, Poinciana

Orange County

Winter Garden, Ocoee, Windermere, Horizon West

Licensed and permitting in all four. If your address is near a county line, we already know which office it belongs to. Not sure whether you are in our area? Call and ask.

Questions we get

Mostly about insurance.

My carrier says my roof is too old. Do I have to replace it?

Not always. Florida law gives homeowners a path to supply an inspection showing remaining useful life instead of replacing, and licensed roofing contractors can perform that inspection. Whether it satisfies your particular carrier depends on your policy and their underwriting rules, which is why the finding is written, dated, and photographed. Bring us the letter and we will read it with you.

Is the inspection really free, or is there a catch?

Free, and there is no obligation attached to it. The reason it makes business sense for us is simple: we now have a dated file on your roof. When it does reach the end, we would like you to call us. That is the entire arrangement.

Will you pressure me to sign something that day?

No. The inspector’s job is to look and write down what they saw. If the finding says replace, you get the scope and the photographs. If you are ready to move ahead, we can go over your options right away. If you would rather take your time, take it, and feel free to get other bids.

How long does a re-roof take?

Most single-family homes run three days: tear-off and dry-in on day one, shingles through day two, and finish work plus cleanup on day three. Your house is never left open overnight. Larger or tile roofs take longer, and we tell you the number before you sign rather than after we start.

My HOA controls the shingle color. Does that complicate things?

No. We submit the architectural request with you rather than leaving it on your desk.

What if it rains?

We move you and we tell you the same day. A schedule change is one text with a new date in it. You should never learn about a delay by looking out the window.

Own a short-term rental?

Different clock entirely. Inspection and written estimate inside 24 hours, work scheduled into the gaps in your booking calendar, and a referral program for owners, managers, and agents.

See the rental side

Find out whether you need us.

Ninety minutes, every slope, and a written finding. If your roof has years left, you will have that in writing by the end of the week.

Prefer to talk? Call (407) 280‑3786, Monday to Friday 7am – 7pm and Saturday 9am – 5pm, or email info@overarmorfl.com.

Request your free inspection

It takes about a minute. We call you back the same business day.