South Florida roofing is defined by two things: the Florida Building Code's HVHZ (High-Velocity Hurricane Zone) requirements in Miami-Dade and Broward counties, and Florida's homeowner insurance crisis. Miami-Dade and Broward require the most stringent roofing products and installation methods in the US — all materials must carry Miami-Dade NOA (Notice of Acceptance) approvals. Palm Beach county follows standard FBC. Insurance companies increasingly require roofs under 15 years old for new coverage.