Navarre's trusted roofing company

Mainland Navarre construction is mostly 1990s through 2010s residential: architectural shingle on truss-built roofs, current-code framing on anything post-2002, and pitch ranges that are mostly walkable (5:12 to 7:12). Holley by the Sea is a large enough subdivision that we've worked nearly every street; the housing stock there is a fairly consistent vintage and the replacement cycles cluster, which means we sometimes do several homes on the same block in the same season.

Navarre Beach is different. The bridge takes you onto Santa Rosa Island, where the construction is predominantly stilt-built beach houses and condo towers along the Gulf-front and Sound-side. Roofs here run high, often 30+ feet up on the residential stilt homes, and need the same coastal-grade spec we use on Pensacola Beach: stainless or coated fasteners, hurricane-rated underlayment, metal as a dominant material choice, and product approvals on every component.

Salt and wind exposure varies meaningfully across Navarre. Sound-front mainland homes (north side of Highway 98 looking across Santa Rosa Sound) get more salt than people expect, especially on the windier weeks. Inland mainland homes, anything north of the highway and set back from the water, can run a standard inland-grade spec. We assess exposure during the estimate rather than applying a one-size answer.

The newer eastern Navarre subdivisions and the homes near Navarre Beach Causeway often have a mix of standard shingle and the occasional metal roof on custom builds. Metal has been gaining ground here for the same reasons it has on the beach: longer life, better salt-air performance, and improving aesthetics in the panel options.

Ivan in 2004 hit Navarre hard. Cat 3 winds and storm surge severely damaged the original Navarre Beach Bridge (it had to be replaced) and tore through housing stock on both the island and the mainland. A lot of the housing density you see in Navarre today is post-Ivan rebuild, which is actually a small silver lining: that vintage of construction tends to meet improved post-2002 wind code requirements.

Sally in 2020 was devastating for Navarre. The storm tracked directly across the area and stalled. Cat 2 sustained winds, but the slow forward speed meant Navarre absorbed those winds for hours rather than minutes, and the rainfall was extreme. We did months of work in Navarre after Sally: full replacements on roofs that lost coverage entirely, decking work on homes where water saturated and rotted plywood, and a long tail of secondary repairs as ceiling and wall damage revealed itself in the months after the storm.

Insurance in Santa Rosa County mirrors the broader Florida market: high wind premiums, percentage deductibles on coastal-exposure policies, and a fluctuating carrier list. We work claims across the major admitted carriers, Citizens, and the surplus-line market. Wind mitigation inspections matter here; post-Ivan and post-Sally rebuild work often qualifies for meaningful premium credits if it's documented correctly, and that's the part many homeowners miss without an in-house inspector handling the form.

Navarre is unincorporated, so all roofing permits go through Santa Rosa County's building department. The county is generally responsive and the inspection process is straightforward when the paperwork is right. We pull, post, and close out every permit. It's not optional, and a contractor who suggests skipping it on a Navarre job should not be hired.

Florida Building Code applies with coastal exposure factoring into the wind requirements. Navarre Beach falls into the higher-velocity exposure category; mainland Navarre is still high wind but with a slightly less aggressive design wind speed. All shingle, metal, and underlayment products we install carry Florida Product Approval, and we provide the approval numbers as part of close-out paperwork.

Wind mitigation in Navarre is often worth running the numbers on, especially for homes built or fully reroofed after 2002. Hip roofs, secondary water barriers, and improved roof-to-wall connections all carry insurance credits, and a lot of post-Sally rebuild work has these features but hasn't been documented on the current OIR-1802 form. Our in-house wind mitigation inspector handles that for Navarre homeowners.

After Sally, Navarre was a target for out-of-state storm chasers in a way that mirrored what happened in Pensacola after Ivan. A lot of the work done in the months after that storm was done by crews that aren't here anymore — and a meaningful share of the repair calls we still get in Navarre are on roofs installed during that window. We've replaced roofs that were only three or four years old because the original installer cut corners on flashing or used non-approved products.

A 25-minute drive from Fort Walton Beach is short enough that we operate in Navarre the same way we operate in our home market across Okaloosa County. Our crews work it daily during normal weeks and constantly during storm-season buildouts. When something needs a follow-up in year two, we're 25 minutes away, not in Texas or Tennessee.

Local also means knowing the rhythm of military PCS moves. A homeowner getting orders to leave Whiting Field in 90 days needs a roof inspection and any needed repair done on a real timeline, not a vague 'we'll get to it.' We've done enough of those to know how to schedule around it.