Does Florida have any discounts for putting a new roof on?

Yes, two real ones. A wind-mitigation inspection (the OIR-B1-1802 form) can unlock 5 to 45% off your homeowners wind premium. The new roof has to document secondary water barrier, ring-shank deck attachment, hip geometry, and FBC-equivalent cover. A FORTIFIED roof (the IBHS hurricane-resilience certification, valid 5 years) typically adds another 5 to 25% wind discount with coastal Florida carriers. Citizens Property Insurance applies the same wind-mit credits. FoxHaven includes the wind-mit form in every Treasure Coast and Palm Beach County replacement. You hand it to your agent at the next renewal.