Universal Roof and Contracting installed our roof in 2014. This past week the high 75 mph sustained winds that we had for 24 hours from Hurricane Ian lifted the cap shingles off of our ridge vent, which was totally understandable given the intensity and length of the storm. We called Universal and they had an inspector come out to look at the roof. Nick Walker came out to inspect the roof and he was up there for a long time. I heard pounding and realized he was fixing the roof!!!!!! This he did without the estimate of the cost and the go ahead from us, but I got out the checkbook relieved to pay him whatever his fee, but he flat out refused to take any money for this service. I should mention the fact that our pool cage caught all of the shingles enabled him to not have to order new shingles, but we did not expect him to fix the roof on demand like this.This is typical of the service we have had from the company in the past, but also typical of the people of our community when so many have been impacted by a hurricane. I'd like to give a big shout out to Nick for taking one more worry off our our minds as we head out this weekend also to help others impacted.
Roofing Contractors in St. Cloud, FL
Storm bands, humidity, and relentless Central Florida sun — roofs in St. Cloud earn their keep. Universal has been roofing Florida homes since 1993.
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Initially we were replacing the roof! But then we realized that the carport also needed to be replaced! Brian was with me stop by step! He sent photos regularly and was always available to answer any and all questions! He is a very valuable employee! All the staff involved with this long process were always great! They also cleaned up!! I really appreciate all their efforts! Thank you very much! The carport and roof look great!!! Mrs. S
Universal team was great to work with, everyone provided excellent service!
Universal roofing is a great company. I can’t say enough great things about them. Their workmanship is exceptional and they stand by their workmanship and product. I had the pleasure of dealing with Damian from Universal Roofing and he was just a joy to deal with very professional. I also dealt with Damian’s foreman Santiago is his name and he also was exceptional. What a great guy and I also dealt with E.V.R . A subcontractor from Universal Roofing Another great company and their foreman Harry was also exceptional. His work was pristine, in closing. I can’t thank Damian From Universal Roofing and Harry from E.V.R. services enough for all the Great work they done and I highly recommend them, they are the best in the roofing Business. Thank you so much, Damian, Santiago, And Harry.
Our roof is beautiful. From our first contact with Bill Fuqua, then with Tony Contreras and his crew, everyone was wonderful. They were polite, respectful and did their jobs. I would certainly recommend this company in the future.
Universal roof and contracting did an awesome job on my roof replacement from hail damage. Mike Emrich made the process simple and easy. He walked us through step by step and explained everything we had questions on. I was surprised at how fast and effective everything went and turned out excellent.
From our first contact with URC, by way of Richard our Estimator to Eric the project manager the whole process was excellent! Eric's crew did an outstanding job of tearing off our old roof and getting the job completed in two days! Ricardo and Armando and others were terrific in the heat to get the work done. The cleanup was very good and the whole process got completed on two very hot days in Florida!! The office support from Olga and Raquel was terrific and they answered all our questions. Thanks, URC, for a well-done professional job!!
Highly recommend. Job well done. Starting with Cory to the project manager Mike Ramos and his crew they did an amazing job on our roof repairs, shingles and chimney replacement, new skylight and vents. We had a lot of hail damage and they walked us through every step of the process to bring our home up to code. The decorative design looks amazing and the addition of the new gutters that were also damaged and needed replacing brought it all together. It looks like a brand new house. We couldn’t be happier. Mike was very professional and very knowledgeable and the crew was excellent from start to the amazing clean up when the project was completed. Mike provided daily detailed updates on the entire project and any issues that came up. I can’t thank him and his crew enough for the awesome job. I would highly recommend Universal Roof and Contracting.
We contracted with Universal Roof to have ours replaced. We are very pleased with the job from start to finish! Raven kept us uptodate on every step of the process. Our crew, led by Anderson, was the absolute BEST. We would reccommend Universal Roofing and Contracting to anyone looking to replace their roof!
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Universal Roof & Contracting serves St. Cloud with every major roofing service — repair, replacement, inspections, storm response, gutters, and all four mainstream roof systems — from our Greater Orlando office. Family-owned since 1993, BBB-accredited with an A+ rating, and Owens Corning Platinum Preferred. This page is the whole picture in one place; every section links to the full service behind it.
What St. Cloud Does to a Roof
Roofs across Central Florida answer to three things, all year, every year. Here's what each one does — with the numbers behind it.
Sun
Strong sun breaks down shingle asphalt and fades finishes over time, so Florida roofs need regular checks.
Humidity
Inland Florida trades salt for humidity: algae grows on shaded slopes, and poor attic ventilation traps heat and moisture under the roof.
Storms
Summer squall lines and the occasional named storm bring hard, wind-driven rain that finds every weak detail.
51.45"
annual rainfall at the Orlando Intl Ap station
57%
of it falls June through September
8.05"
in June alone — the peak month
NOAA NCEI 1991–2020 normals (USW00012815)
Roof Repair in St. Cloud
Roof trouble in St. Cloud rarely announces itself. It starts as one lifted shingle or a slow drip at a flashing joint — and the difference between a cheap fix and a big one is how soon someone looks.
We run repair crews through Central Florida year-round. The visit covers the damage plus the field, flashing, and penetrations around it — repairs that buy years beat replacements that weren't necessary yet.
Emergencies get tarped same-visit where access allows, with the permanent fix documented in photos behind it.
Shingles gone after a blow
Wind takes the weakest tabs first. A same-month repair keeps the deck dry underneath.
Granules in the gutters
Shingle surfaces shedding — the field is aging, and it's time to watch it.
A stain that wasn't there
Interior spots mean the leak has a head start — water travels the deck before it drops.
Flashing and fastener wear
A common leak point, and one Florida weather works on early.
Roof Replacement
What actually drives a replacement quote — and how concealed damage is handled if tear-off uncovers it.
A completed Universal replacement — one to three days on most homes.
We install to manufacturer specification with the underlayment and ventilation the warranty actually requires — as an Owens Corning Platinum Preferred contractor (a tier held by fewer than 1% of roofing contractors), we offer warranty protection most roofers can't. The estimate is line-by-line, and the price you approve is the scope we build; change orders only happen when opened decking reveals something no one could see, and you approve those too.
Two planning notes from thousands of projects across Central Florida: replace end-of-life soffit, fascia, and gutters with the roof — one mobilization, every connected component sealed at once — and if you have flexibility, fall timing puts a fresh roof over you before storm season instead of after it. Most residential replacements in St. Cloud finish in one to three days.
Size, pitch & complexity
Cut-up roofs with dormers and valleys take longer than simple gables — and price accordingly.
Tear-off & decking
How many layers come up, and what the decking looks like once exposed. You approve anything it reveals.
The material system
Shingle, metal, tile, or slate — specified for Florida exposure, not upsold.
Flashing & ventilation
The details that separate a code-minimum job from one that reaches its rated life.
Every St. Cloud replacement starts with the free inspection.
Roof Inspections
In St. Cloud we recommend checking your roof twice a year, in spring and fall, plus after any major storm. Our professional inspection is free, with a written report you keep either way.
Field & fasteners
Wear, granule loss, and fastener condition across the whole covering.
Flashing & penetrations
Common leak points, so we check every boot, valley, and transition.
The roof edge
Soffit, fascia, and gutters for rot, separation, and pest entry.
The attic side
Moisture staining, ventilation problems, and daylight where there shouldn't be any.
What you get is a documented condition file: photos, findings, remaining-life assessment, in writing, free. We built the process for homeowners across Central Florida who want evidence instead of sales pressure — many inspections end with a clean bill and a watch list, and the report belongs to you either way.
Storm Damage in St. Cloud
Being inland doesn't excuse a roof in St. Cloud. Irma crossed the middle of the state as a hurricane, and Milton brought hurricane-force gusts to Central Florida. After it passes, a five-minute ground check tells you whether to call.
01 Scan from the ground
Lifted or missing shingles across the field, sagging lines at ridge and edges.
02 Check the gutters
Granule wash-out after a storm means the surface took a beating.
03 Walk the yard
Blown-off material in the grass is the roof telling you where to look.
04 Look up inside
Ceilings and closet corners: small openings let water reach the decking.
05 Note the date and call
Photograph what you can see safely; we put findings in writing with photos.
Irma
crossed Central Florida as a hurricane; minor to moderate damage to many structures, widespread tree damage (NOAA/NHC TCR AL112017)
Milton
hurricane-force gusts in Central Florida near the track; 14.83" of rain recorded near Orlando (NOAA/NHC TCR AL142024)
We bring same-week assessments across Osceola County, emergency tarping when the roof needs immediate protection, and a written, photographed damage report — what happened and what fixing it involves, no scare tactics. Material choice is storm strategy too: every system carries its own tested wind rating, so we show you the rating for the exact product before you choose.
Residential Roofing
The right roof for a St. Cloud home follows the house, the owner's horizon, and the budget across thirty years — not the material a salesman happens to carry.
72.5% of occupied homes in St. Cloud are owner-occupied, and the median owner-occupied home value is $356,200 (U.S. Census Bureau QuickFacts, 2020–2024). Ours is the math of protecting that investment: the right system, installed to specification, maintained on a schedule.
We install every mainstream system — shingle, metal, tile, and flat — so the recommendation follows your house and budget, not whichever material a contractor happens to sell. The full comparison is below.
The house & neighborhood
Age, style, and what the street is built around — a roof has to belong where it lives.
Your ownership horizon
Selling in five years and staying thirty produce different right answers.
Budget, now vs. 30 years
Upfront cost against lifetime cost — repairs, energy, and how many more roofs you'll buy.
Installation quality
The same materials last longer or fail early depending on underlayment, ventilation, and flashing work.
Not sure which of these your roof needs?
The free inspection answers it with photos and a written report.
Commercial Roofing
A commercial roof in St. Cloud protects inventory, equipment, and people, and it is built under the Florida Building Code, rated among the strongest of the hurricane-coast states by IBHS.
The right system follows the building — deck construction, equipment loads, drainage, and how long you're holding it. White TPO reflects heat and helps with cooling costs; properly fastened metal performs well in high winds; modified bitumen remains a proven choice on the right deck.
What keeps any of them performing is cadence: inspections every year and after every storm, clear drains, prompt small repairs. We run that cadence on a maintenance plan with documentation you keep.
The 25% rule
If more than 25% of a roof section is repaired or replaced within 12 months, the whole section must meet current code, unless the roof was built to the 2007 Florida Building Code or later.
Licensing & permits
Commercial roof repairs and installations require a Florida-licensed contractor, and most need a permit from the local building department.
System choice
TPO for energy efficiency; metal for hurricane resistance and lifespan; modified bitumen where the deck calls for it.
Maintenance cadence
Annual and post-storm inspections, clear drains, prompt membrane repairs — where commercial roofs are won or lost.
Gutters, Soffit & Fascia
Gutters, soffit, and fascia do unglamorous work — and in St. Cloud they take the weather's first hit, every single day.
Contained damage is a focused repair; widespread rot or end-of-life materials are a replacement call — and the smart timing is with a roof replacement or in the fall, ahead of storm season. Material picks for this climate: vinyl soffit for moisture, aluminum fascia for corrosion, seamless aluminum gutters for Florida rainfall.
Soft or spongy fascia
The material underneath is already compromised — past the repair window.
Stains on exterior walls
Water escaping the drainage path and running where it shouldn't.
Sagging, overflowing gutters
Chronic overflow usually means repairs are no longer keeping up.
Rust at the seams
Sectional gutters fail at their joints — seamless aluminum has far fewer of them.
Roof Types We Install in St. Cloud
Four systems, four honest trade-offs, installed by factory-trained crews to the manufacturer's specification.
Long service lifeMetal
- Wind rating set by the tested product and fastening
- White metal cut cooling energy 23% in Florida Solar Energy Center tests
- Can count toward wind-mitigation credits when installed to current code
About 20 yrsAsphalt Shingle
- Architectural over three-tab, always
- Algae-blocking granules for humidity
- Usually the least expensive to repair after storms
50+ yrsTile
- Clay, concrete, or composite
- Permanence and the Florida look
- Heavy — specialist crews only
Exclusive to UniversalMetlok
- Backed by a 50-year limited lifetime warranty
- Four-way interlocking panel system
- Shake, shingle, slate & barrel profiles
| System | Realistic Florida life | Wind rating (installed right) | Cost tier | Best for |
|---|---|---|---|---|
| Metal (standing seam) | Varies by product; ask for the warranty term | Product-specific; we show you the rating | $$$ | Longevity, storms, energy bills |
| Architectural shingle | About 20 years | Class H shingles: rated for design wind speeds up to 194 mph | $ | Value, fast storm repairs |
| Tile (clay/concrete) | Over 50 years | High, code-driven | $$$ | Permanence, the Florida look |
| Metlok (only at Universal) | 50-year limited lifetime warranty | 180+ mph tested wind rating | $$$ | Longevity, high-wind exposure |
What moves every quote regardless of material: pitch and complexity, the product tier within the material, specialist labor where tile demands it, and structural reinforcement when weight requires it. Florida law also requires insurers to offer premium credits for wind-resistant construction features — a wind mitigation inspection documents what your roof qualifies for.
Want eyes on your roof this week?
Free inspection, honest findings, zero pressure — most end with "you're fine."
How a Project Runs
Every St. Cloud project follows the same four steps, whether it's a gutter repair or a full replacement.
Free inspection
We walk the roof and attic line, photograph everything, and put findings in writing — yours to keep either way.
Line-by-line estimate
Exactly what's being done, with what materials, for what price — before you sign anything.
The build
Factory-trained crews, manufacturer-spec installation, and a jobsite that gets protected and cleaned.
Final walkthrough
You inspect the finished work with us, get your warranty documentation, and keep every record from the job.
Paying for It
Storm damage doesn't wait for a convenient budget year — and a necessary roof shouldn't have to either.
We offer financing options for qualified homeowners, and every estimate is free and line-by-line transparent. Ask during your free inspection — no obligation either way.
Why St. Cloud Chooses Universal
Family-owned since 1993 — thousands of completed projects, and a reputation built one roof at a time.
State-licensed (CCC057165 & CBC1258484), fully insured, BBB-accredited with an A+ rating, and an Owens Corning Platinum Preferred Contractor — a tier held by fewer than 1% of roofing contractors. Factory-trained installers, transparent pricing, free estimates. We also give away a free roof replacement to a local veteran every year — it's who this company has been for thirty years.
St. Cloud Roofing Questions
How long do roofs last in St. Cloud?
In St. Cloud plan on about 20 years from architectural shingle and more than 50 from clay or concrete tile with proper care, based on a National Association of Home Builders study. Metal life depends on the product, so ask for its warranty term. The installer's discipline matters more to those numbers than the brand on the wrapper.
Repair or replace — how do you decide?
The test is scope and remaining life: contained damage on a healthy roof gets repaired; spreading wear, leaks that keep finding new paths, or a roof in its final stretch gets a replacement conversation, because repeated patching on a failing roof adds up. Our recommendation always arrives in writing, with photos.
What should I do right after storm damage?
Photograph what you can see safely from the ground, note the date, and get a professional inspection before small openings become interior leaks. We handle emergency work across Osceola County and put findings in writing with photos.
Can a handyman repair a roof in Florida?
Florida's licensing agency says no: roof repairs and roof installations require a state license. Before anyone touches your roof, verify the state license and the insurance behind it. We hold CCC057165 & CBC1258484 and full coverage.
What does a roof replacement cost in St. Cloud?
Five inputs set it: size and pitch, how many layers come off, what the decking looks like underneath, which system goes on, and the detail work at flashings and ventilation. That's why quotes-by-phone are guesses. Ours start with a free inspection and arrive itemized, line by line.
Is the inspection really free?
Yes — photos, honest findings, and a written condition report, free, whether or not you hire us for anything. Many inspections end with 'you're fine, here's what to watch.'
How long does a roof installation take?
Most residential replacements finish in one to three days. Tile and complex roofs run longer, and commercial projects range from days to weeks by size. We give you a realistic window up front.
What time of year is best for roof work here?
Roofing runs twelve months a year across Central Florida, but if you can choose, choose fall: cooler working conditions, better material handling, and a finished roof standing before the next storm season opens.
What is the 25% roof rule in Florida?
Under the Florida Building Code, repairing or replacing more than 25% of a roof section within 12 months generally means the whole section must be brought up to current code. Roofs built to the 2007 code or later are exempt: only the repaired part must meet current code.
Roofing guides for St. Cloud homeowners
Nearby areas we serve
Get Your Free St. Cloud Roof Inspection
Photos, honest findings, and a written condition report — free, and yours to keep either way.
Sources (24)
- Universal Roofing Group, Inc., corporate record P93000013124 · Florida Division of Corporations (Sunbiz)
- Tropical Cyclone Report: Hurricane Ian (AL092022) · NOAA National Hurricane Center
- Tropical Cyclone Report: Hurricane Milton (AL142024) · NOAA National Hurricane Center
- Tropical Cyclone Report: Hurricane Irma (AL112017) · NOAA National Hurricane Center
- 2023 Florida Building Code, Existing Building, section 706.1.1 · Florida Building Commission
- DBPR reminds Florida consumers to verify state licenses this hurricane season · Florida Department of Business and Professional Regulation
- Section 627.0629, Florida Statutes (mitigation discounts) · The Florida Legislature
- License CCC057165, Certified Roofing Contractor · Florida Department of Business and Professional Regulation
- License CBC1258484, Certified Building Contractor · Florida Department of Business and Professional Regulation
- U.S. Climate Normals 1991–2020, Orlando International Airport (USW00012815) · NOAA National Centers for Environmental Information
- QuickFacts: St. Cloud city, Florida · U.S. Census Bureau
- Algae discoloration of roofs · Asphalt Roofing Manufacturers Association
- Maintaining residential roof systems · National Roofing Contractors Association
- Rating the States: hurricane coast building codes · Insurance Institute for Business & Home Safety
- Comparative Evaluation of the Impact of Roofing Systems on Residential Cooling Energy Demand in Florida · Florida Solar Energy Center (UCF)
- Using ASTM D7158 where standard conditions do not apply · Asphalt Roofing Manufacturers Association
- Study of Life Expectancy of Home Components (2007) · National Association of Home Builders
- Universal Roof & Contracting contractor profile · Owens Corning
- Owens Corning Launches National Roof Deployment Project (2016) · Owens Corning
- Metlok 50-Year Limited Lifetime Warranty · Metlok
- Metlok disclaimer and specifications · Metlok
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