Roofing contractors in Florida face the highest insurance rates in the trades — and the most aggressive annual audits. Wrong class codes, missing subcontractor COIs, and gross-vs-net revenue errors routinely add $10,000–$50,000 to your audit bill. Audit Monkey specializes in roofing contractor audits and disputes every overcharge.
Roofing carries class code 5551 — one of the highest-rated workers' comp codes in Florida. With rates that can exceed $20 per $100 of payroll, even a small error in how your audit is calculated can mean a bill of $20,000 or more. Insurance carriers know this, and they audit roofing contractors every single year without exception.
The complexity of roofing operations — multiple crew types, heavy subcontractor usage, seasonal hurricane repair work, and owner-operator exclusions — creates dozens of opportunities for carriers to overcharge. Most roofing contractors don't have the time or expertise to catch these errors.
Audit Monkey was built for exactly this situation. We understand roofing operations, know every class code that applies, and have a documented track record of reducing roofing audit bills across Florida.
By the Numbers
Gutters, fascia, skylights, and solar installs often qualify for lower-rated class codes. Carriers routinely apply the roofing rate to everything, inflating your premium by 30–60%.
If your subs carry their own insurance, their payroll must be excluded. Carriers add all sub payroll when COIs are missing or expired — the most common and costly roofing audit error.
Post-storm repair work may qualify for different classification than standard new-construction roofing. Carriers rarely make this distinction without being pushed.
Florida law allows roofing company owners and officers to exclude themselves from workers' comp coverage. Carriers frequently include owner payroll in the audit base when exclusions aren't properly documented.
GL policies for roofers are often based on net revenue after subcontractor costs. Carriers default to gross revenue, which can double your GL audit bill if you sub out significant work.
Deposits received in one policy year for work completed in the next are sometimes counted twice. Audit Monkey cross-references your financials to catch every overlap.
Florida roofing contractors face two separate annual audits — one for workers' comp, one for general liability. Most firms only handle one. Audit Monkey handles both, and the errors on each audit often overlap.
Audit basis: Based on payroll by class code
Audit basis: Based on gross receipts or payroll
High-volume residential and commercial roofing, hurricane repair specialists
Rapid new construction growth, large roofing crews and subcontractor networks
Storm restoration and commercial flat roofing, complex audit situations
Luxury residential roofing, high-value GL audits
Large geographic market, high subcontractor usage
Hurricane Ian rebuild work, surge in roofing audit volume
High-end residential roofing, premium insurance carriers
Dense roofing contractor market, frequent GL audit disputes
Free Roofing Audit Prep Checklist
Download our step-by-step checklist before your next audit — covers COIs, class codes, and payroll documentation.
Send us your audit bill. We'll review it for free and tell you exactly what's wrong and what we can recover. No obligation.