Insurance Audit Defense for Florida Roofing Contractors

Florida roofing contractors face the highest workers' compensation rates in the country and the most aggressive insurance audits. With roofing workers' compensation rates running $15 to $25 per $100 of payroll, a single audit error can cost tens of thousands of dollars. Audit Monkey specializes in roofing contractor insurance audit defense across all of Florida.

Why Roofers Get Audited So Aggressively

Florida Roofing Workers Comp Rate: $15–$25 Per $100 of Payroll (NCCI 5551)

Annual Roofing Contractor Audit — Every Sub Payment Scrutinized

Roofing is the highest-risk construction trade in Florida. Insurance carriers audit roofing contractors annually and scrutinize every subcontractor payment. The most common overcharges for Florida roofers include missing subcontractor Certificates of Insurance (where carriers add subcontractor payroll at the roofing rate of $15 to $25 per $100 of payroll), incorrect class code splits between roofing (NCCI 5551) and supervisory work, and owner or officer payroll not properly excluded.

What Audit Monkey Does for Roofing Contractors

Roofing Subcontractor COI Verification and WC Exemption Documentation

Class Code 5551 vs Supervisory Work Payroll Segregation

Year-Round COI Compliance File for Florida Roofing Contractors

Audit Monkey reviews every line of the audit worksheet for errors, verifies all subcontractor Certificates of Insurance and workers' compensation exemptions, and analyzes class code assignments for payroll segregation opportunities. Audit Monkey disputes overcharges with the insurance carrier and maintains a year-round Certificate of Insurance compliance file to prevent future overcharges. Audit Monkey has saved Florida roofing contractors $47,000 in a single workers' compensation audit dispute. Call Audit Monkey at (239) 323-0785 for a free roofing audit review.

Frequently Asked Questions

Why do roofing contractors pay so much for workers' comp in Florida? Florida roofing workers' compensation rates run $15 to $25 per $100 of payroll, which is among the highest in the country. Florida's hurricane exposure, the physical risk of roofing work, and the high frequency of claims all contribute to these high workers' compensation rates. Audit Monkey helps roofing contractors minimize audit exposure by verifying subcontractor Certificates of Insurance and disputing incorrect class code assignments.

What is the NCCI class code for roofing in Florida? The primary NCCI class code for roofing in Florida is 5551 (Roofing - All Kinds). NCCI 5551 is one of the highest-rate class codes in the state of Florida. Audit Monkey verifies that roofing employees are correctly classified and that subcontractors with independent coverage are not included in the roofing contractor's NCCI 5551 payroll.

How do I protect myself from roofing audit overcharges? The three most important steps to protect against roofing audit overcharges are: (1) Collect current Certificates of Insurance from every subcontractor before subcontractors start work, (2) Segregate roofing payroll by class code so office and non-roofing employees are not rated at the roofing rate, and (3) Document all owner and officer exclusions. Audit Monkey manages all three of these steps for roofing contractors throughout Florida.

Can Audit Monkey help with a roofing workers' comp audit dispute? Yes, Audit Monkey specializes in roofing contractor audit defense throughout Florida. Audit Monkey reviews the audit worksheet, verifies subcontractor Certificates of Insurance, corrects class code assignments, and files formal disputes when carriers overcharge roofing contractors. Call Audit Monkey at (239) 323-0785 for a free roofing audit review.