How Much Does It Cost To Tarp A Roof In Florida?
There is no honest flat rate for emergency roof tarping — anyone quoting one over the phone without seeing the roof is guessing. Below is exactly what drives the price, what your insurance policy typically covers, and why the cheapest tarp is usually the most expensive decision you can make.
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What Actually Determines The Price
Every emergency tarp quote comes down to six things. When you call, these are the questions we ask so the number you get is the number you pay.
Roof size & the area that needs covering
Tarping is priced by the square footage that actually has to be protected, not the whole roof. A single slope over a bedroom is a very different job than wrapping a hip roof with damage on three planes.
Roof material & assembly
Shingle, barrel tile, metal panel, and flat/low-slope membrane all secure differently. Tile and metal take more time and care — and they are exactly the roofs that conventional nail-down tarping damages permanently.
Pitch, height & access
A steep two-story pitch, a screened lanai in the way, or a tight lot with no equipment access all add labor and safety requirements compared to a single-story walkable slope.
Urgency & conditions
An active leak at 2am during a storm event is a different response than a scheduled next-day install in clear weather. Post-hurricane demand also affects material availability statewide.
How long it needs to last
A covering meant to hold for a few days is not built like one that has to survive months on an insurance waitlist. Most Florida homeowners need the second — and that is where cheap tarps fail and cost more.
Documentation & claim support
We include adjuster-grade photo documentation from a licensed Florida 6-20 adjuster as part of the job. That paperwork is often what determines whether your carrier reimburses the mitigation at all.
Secondary Damage From Nail-Down Tarps
The standard industry method is to nail furring strips straight through the tarp and into your roof deck. That puts dozens of new penetrations into the one surface you are trying to protect — and every one of them is a future leak path that has to be repaired later, often at your expense rather than the carrier's.
Our patent-pending system is fully non-invasive. Zero nails, zero screws, zero new holes. That is the difference between a tarp that protects your roof and a tarp that adds to the repair bill.
Who Pays For The Tarp?
Most Florida policies require you to mitigate. Homeowners policies generally include a duty to protect the property from further damage after a covered loss. Emergency tarping is that mitigation step, and carriers commonly treat reasonable mitigation as a covered expense under the claim.
Your deductible still applies. Mitigation costs are typically applied toward the same claim as the permanent repair, which means they usually fall under your hurricane or all-perils deductible rather than being billed separately on top of it.
Documentation drives reimbursement. Carriers reimburse what is documented. Every job we do includes dated before/during/after photos, damage notes, and a scope written by a licensed Florida 6-20 adjuster so your file is complete when the desk adjuster reviews it.
Waiting can cost you coverage. If water keeps entering because the roof went uncovered, carriers can dispute the resulting interior damage as a failure to mitigate. Getting covered fast protects the claim, not just the ceiling.
Coverage varies by policy and carrier — this is general guidance, not a coverage determination. We will review your specific situation with you on the phone before any work starts.
How To Get Your Exact Number
- 1Call or submit the form with your address and what you're seeing (active leak, missing shingles, tree strike).
- 2We confirm roof type, approximate damaged area, pitch, and access — usually in a 3-minute call.
- 3You get a firm, itemized price before anyone climbs on the roof. No surprise add-ons after the fact.
- 4We install, document everything for your carrier, and give you the full photo package.
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