Polk · Lake · Osceola · Orange counties
We inspect your roof, photograph every slope, and hand you a written finding you can send to your insurance carrier. If it has years left, that is what the finding says, and you owe us nothing.
Not sure? Check your closing paperwork, or we will find the permit for you.
A rough read from one number. The real finding comes from four slopes, a ladder, and photographs. Your carrier's own rules govern your policy.
Why roofs fail here
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.
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.
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.
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.
The Shell Check
Most free inspections are a sales call with a ladder. Ours produces a document. It takes about ninety minutes, and it ends one of three ways.
Not a drive-by, not a drone pass from the street. An inspector goes up, checks the field, the flashing, the boots, the valleys, and the decking underfoot.
Typically thirty to fifty photographs, labeled by slope. You get all of them, including the ones that show your roof is in good shape.
Numbered, dated, signed by a licensed contractor, with an estimate of remaining useful life. Yours to keep and to forward to your carrier. We keep a copy so you never have to find it again.
Years of life left. We write it down, hand it to you, and go away. Come back to us when the finding says otherwise.
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.
The finding says 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.
Where we work
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.
Winter Haven, Davenport, Haines City, Lake Alfred, Auburndale
Clermont, Minneola, Groveland, Montverde, Mascotte
Kissimmee, Celebration, St. Cloud, Poinciana
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.
If you do need a roof
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.
You're on the board. Install is Tuesday, September 8. I'm Albert, your project lead — this number is mine, text it anytime.
Shingles arrive tomorrow between 8 and 11, on pallets on the left side of the driveway. Nothing blocks your garage or the cart path.
Crew of six arrives at 7:10 tomorrow. Move cars off the driveway tonight and take anything fragile off the walls — tear-off shakes the house.
Old roof is off. Decking is solid except four feet of soft plywood over the back bedroom — photo attached. Two sheets at the rate in your contract, $200.
Underlayment and flashing are on. Your house is watertight tonight regardless of weather. Shingles finish tomorrow.
Roof is finished. We ran the magnet twice over the lawn, the beds, and the driveway, and the dumpster is gone. Walk it tonight and tell me if you find a single nail.
Final photos, your warranty registration, the permit close-out, and the paperwork your carrier will want are all in your email. Nothing else is owed.
Questions we get
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.
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.
No. We do not quote on the first visit unless you ask us to. 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, and we expect you to get other bids.
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 at any point. Larger or tile roofs take longer, and we tell you the number before you sign rather than after we start.
No. We work these communities regularly and keep the approved color and profile on file for each one. We submit the architectural request with you rather than leaving it on your desk.
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.
Ninety minutes, four slopes, 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 – 6pm, or email info@overarmorfl.com.