Florida Roofing Contractor BondA small bond, in the strictest roofing market in America
Florida puts more roofs at storm risk than any other state, and after every hurricane and hail event the storm-chasers arrive. The license bond itself is modest — a Division II Certified Roofing Contractor posts just $10,000 (or $5,000 with the course), and only when credit is below 660. The hard part is operating cleanly under Florida's anti-fraud regime: SB 76 turned the old door-knock-the-claim sales model into a crime.
FICO 660 or higher
No license bond on your CCC application — your credit alone satisfies the CILB financial responsibility rule (assuming no unsatisfied judgments or liens).
FICO below 660
Post a $10,000 Division II bond — or $5,000 after the 14-hour course. We approve every credit level, with premiums commonly $100–$300/year.
Enter Florida for state — we route CCC license, performance, and warranty bonds in one request.
SB 76: How Florida Rewrote the Roofing Sales Playbook
Florida's Senate Bill 76 took effect July 1, 2021 in direct response to a wave of post-storm roofing-claim fraud. It does not touch the bond amount — it changes how you are allowed to find work. Two prohibitions matter most for every Florida roofer, and both carry a criminal penalty of up to $10,000:
No claim solicitation
You may not solicit a homeowner “for the purpose of making an insurance claim for roof damage.” Door hangers, flyers, emails, and similar prohibited solicitations that push a homeowner to file a roof-damage claim are out.
No deductible waivers or inducements
You may not offer a rebate, gift, or any waiver of an insurance deductible — or any other thing of value — tied to a roof inspection or claim. The “we'll cover your deductible” pitch is now illegal.
What is still legal: advertising your roofing services generally. SB 76 targets insurance-claim solicitation and deductible-waiver inducements, not ordinary marketing. A licensed, bonded roofer who markets workmanship and lets the homeowner decide on a claim is firmly on the right side of the law.
This is exactly where the bond earns its keep. A homeowner choosing between a knock-on-the-door storm-chaser and a Certified Roofing Contractor with an active license, liability insurance, and (where applicable) a posted bond now has a bright legal line to point to. Verify the full text at the Florida Senate's SB 76 bill page.
Three Different “Bonds” a Florida Roofer Hears About
The word “bonded” gets used loosely. For a Florida roofer it can mean three completely different products with three completely different triggers and dollar amounts. Match your situation to the right row before you buy anything.
Florida Roofing Bonds at a Glance
License bond vs. FRO bond vs. project bonds for Certified Roofing Contractors
| Bond | Amount | When It Applies | Tied To |
|---|---|---|---|
| CCC License Bond (Division II) | $10,000 / $5,000 with course | Only when FICO is below 660 (or unsatisfied judgments/liens) | Your credit |
| FRO Bond | $100,000 | When the qualifying agent has no ownership interest in the company | Company structure |
| Performance & Payment Bond | 100% of contract value | Public roofing work and many large commercial jobs | The project |
The license bond is a credit formality. The FRO and project bonds are far larger and are triggered by company structure and contract size, not credit. Confirm current amounts with the DBPR before applying.
Sources: Florida CILB Rule 61G4-15.001; Fla. Stat. § 489.1195; Fla. Stat. § 255.05
Official Florida Requirements
"A Certified Roofing Contractor holds a Division II license issued by the Construction Industry Licensing Board under Chapter 489. The board deems an applicant financially responsible with a 660 FICO-derived credit score or higher, no unsatisfied judgments, and no unsatisfied liens. Applicants who do not meet these criteria must post a Division II license bond of $10,000, reducible to $5,000 upon completion of a board-approved 14-hour financial responsibility course."Florida Construction Industry Licensing Board (CILB) • Florida Statutes Chapter 489 / Rule 61G4-15.001
What the Bond Actually Costs a Florida Roofer
On a bond this small, carriers usually quote a flat annual fee rather than a strict percentage. Credit still moves the number, but even a rough sub-660 profile lands in the low hundreds. The figures below assume the standard $10,000 Division II amount; completing the course drops the bond to $5,000 and typically pulls the premium down further.
Florida Division II Roofing Bond — Estimated Annual Premium
Based on a $10,000 bond amount
- Good credit (660+, if a bond is still elected)Rate: flat$100
- Fair credit (600–659)Rate: flat$100–$200
- Below 600Rate: flat$200–$300
Estimates for a $10,000 Division II bond. The $5,000 reduced amount (after the 14-hour course) usually costs less. Final premium is set by the carrier after review.
Sub-660 and need a CCC bond before your DBPR deadline? We issue Florida roofing bonds same day, every credit profile.
Get Your Florida Roofing BondGetting Your CCC Roofing License (and Where the Bond Fits)
Roofing is a Division II classification under Chapter 489. You can go certified (statewide, CCC) or registered (local, CCC-R). The bond — if your credit triggers it — is one of the last steps, not the first.
Certified Roofing Contractor (CCC)
State license from the CILB. Pass the state exam, document several years of qualifying roofing experience (confirm the exact requirement in the current DBPR exam handbook), and you can work in any Florida county — the right fit for crews following storm work statewide.
Registered Roofing Contractor (CCC-R)
Local competency card. Pass the local exam and work within the issuing jurisdiction only. Faster to start in a single county, but you must register separately in each additional county.
Document experience & pass the exams
Show several years of qualifying roofing experience and pass the business/finance exam plus the trade exam. Confirm the exact experience figure in the DBPR exam handbook.
Carry the required insurance
A Division II CCC must carry general liability — commonly ~$100,000 public liability plus $25,000 property damage — and workers’ compensation for roofing work.
Clear the financial responsibility check
The CILB pulls credit. FICO 660+ with no unsatisfied judgments or liens = no license bond. Below 660 = post the Division II bond.
Post the bond (only if triggered)
Sub-660 applicants post a $10,000 bond, or $5,000 after the 14-hour course. We deliver DBPR-accepted bond forms same day.
Why the Cheapest Bond on Your Application Is Now Your Best Marketing
The thing Florida roofers underestimate is how much the post-SB 76 landscape flipped the value of being licensed and bonded. For years the storm-chaser model out-marketed the legitimate contractor: knock the door, find the “damage,” promise to eat the deductible, collect a deposit. SB 76 made the two most effective parts of that pitch criminal. The roofers who built their business on it lost their playbook overnight; the ones holding an active CCC license, liability insurance, and a posted bond suddenly had the trust advantage they never had to advertise before.
On the bonding side, the most common Florida roofing surprise is assuming a sub-660 credit pull is a wall. It is not. A 640–659 FICO is the textbook case — the roofer still gets the CCC license, just with a $10,000 bond attached, and the premium on a bond that small is usually a flat annual figure in the low hundreds rather than a punitive percentage. Take the 14-hour course first and the bond drops to $5,000, which trims the premium again. For most sub-660 applicants the math clearly favors the course.
The second snag is structural, not financial: a roofer forms an LLC, names a non-owner qualifier to pull the license, and only learns at submission that the setup triggers a separate $100,000 FRO bond. If you can keep an owner as the qualifying agent, you sidestep the FRO requirement entirely — worth deciding before you finalize the company structure.
Bidding Public or Large Commercial Roofs? You Need a Project Bond
The CCC license bond gets you legal. It is not the bond a public owner or large GC asks for. Public roofing work in Florida falls under Fla. Stat. § 255.05, which requires a performance and payment bond sized to the contract value — not a flat license figure. Underwriting shifts from a quick credit pull to a review of your financials, working capital, and bonding capacity.
Florida Roofing Bond Questions
Does Florida require a bond for a roofing contractor license?
How much does a Florida roofing contractor bond cost?
What is SB 76 and how does it affect Florida roofers?
Is a Florida roofing license certified or registered?
When does a Florida roofing company need the $100,000 FRO bond?
What insurance does a Florida Certified Roofing Contractor need?
Related Florida & Roofing Bond Resources
All content is researched from official state and federal sources (.gov) and verified before publication. BuySuretyBonds.com works with Treasury-certified, A-minimum rated surety carriers serving all 50 states.
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