Insurance guide
Florida roof age and homeowners insurance
Under section 627.7011(5), Florida Statutes, an insurer may not refuse to issue or renew a homeowner's policy solely because of the age of a roof that is less than 15 years old. For a roof at least 15 years old, the insurer must let you have it inspected by an authorized inspector, at your expense, before requiring replacement, and may not refuse to issue or renew solely because of roof age if that inspection shows 5 or more years of useful life remaining. Roofing contractors are among the inspectors the statute names, subject to your insurer's approval.
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Can my Florida insurer drop me because my roof is old?
Not solely because of age if the roof is less than 15 years old. Section 627.7011(5)(b), Florida Statutes, says an insurer may not refuse to issue or refuse to renew a homeowner's policy on a residential structure with a roof less than 15 years old solely because of the age of the roof. Damage, active leaks, and other underwriting reasons are separate questions from age.
What happens if my roof is 15 years or older?
For a roof at least 15 years old, the insurer must allow you to have the roof inspected by an authorized inspector, at your expense, before requiring roof replacement as a condition of issuing or renewing the policy. If that inspection indicates 5 years or more of useful life remaining, the insurer may not refuse to issue or renew the policy solely because of the roof's age. That is section 627.7011(5)(c), Florida Statutes.
The inspection is your cost, and the insurer approves who performs it. Keep the report and the photos with your policy documents.
How is roof age calculated for Florida insurance?
Section 627.7011(5)(d), Florida Statutes, counts roof age from the last date on which 100 percent of the roof's surface was built or replaced under the building code in effect at the time. If the roof was replaced in stages, the clock starts on the date of the first partial replacement in the series that eventually covered 100 percent of the roof. The roof-age rules apply to homeowners' policies issued or renewed on or after July 1, 2022, and not to mobile home policies.
Permit records are the usual proof of when the whole roof was last replaced. If you are not sure, the city or county building department that issued the reroof permit can confirm the date.
What is a wind mitigation inspection?
A wind mitigation inspection records features that reduce hurricane damage, such as the roof covering, roof-deck attachment, roof-to-wall connections, roof shape, secondary water resistance, and opening protection, on Florida's Uniform Mitigation Verification Inspection Form, OIR-B1-1802. Section 627.0629, Florida Statutes, requires insurers to include actuarially reasonable discounts for qualifying windstorm mitigation features in their rate filings. A revised version of the form took effect April 1, 2026.
What does Reliable Roofer check on a roof inspection?
Reliable Roofer, Inc.'s free inspection checks the roof covering, flashings, penetrations, and signs of leaks, including the attic when access allows, then gives you photos and a written next step: repair, replace, or not yet. If your insurer requires a specific roof inspection form, tell the office which form when you book so we can confirm before the visit whether we can complete it.
Questions from this guide
Not solely because of age if the roof is less than 15 years old. Section 627.7011(5)(b), Florida Statutes, says an insurer may not refuse to issue or refuse to renew a homeowner's policy on a residential structure with a roof less than 15 years old solely because of the age of the roof. Damage, active leaks, and other underwriting reasons are separate questions from age.
For a roof at least 15 years old, the insurer must allow you to have the roof inspected by an authorized inspector, at your expense, before requiring roof replacement as a condition of issuing or renewing the policy. If that inspection indicates 5 years or more of useful life remaining, the insurer may not refuse to issue or renew the policy solely because of the roof's age. That is section 627.7011(5)(c), Florida Statutes.
Section 627.7011(5)(d), Florida Statutes, counts roof age from the last date on which 100 percent of the roof's surface was built or replaced under the building code in effect at the time. If the roof was replaced in stages, the clock starts on the date of the first partial replacement in the series that eventually covered 100 percent of the roof. The roof-age rules apply to homeowners' policies issued or renewed on or after July 1, 2022, and not to mobile home policies.
Under section 627.7011(5)(a), an authorized inspector is someone approved by your insurer who is a licensed home inspector, a certified building code inspector, a licensed general, building, or residential contractor, a roofing contractor, a licensed professional engineer or architect, or another person or entity the insurer recognizes as qualified. Ask your insurer which inspectors and which form it accepts before you book.
A wind mitigation inspection records features that reduce hurricane damage, such as the roof covering, roof-deck attachment, roof-to-wall connections, roof shape, secondary water resistance, and opening protection, on Florida's Uniform Mitigation Verification Inspection Form, OIR-B1-1802. Section 627.0629, Florida Statutes, requires insurers to include actuarially reasonable discounts for qualifying windstorm mitigation features in their rate filings. A revised version of the form took effect April 1, 2026.
Next step
How much life does your roof have left?
Call (772) 867-0000 for a free roof inspection with photos and a written next step. License CCC1334854. Calls answered 7:00 AM–7:00 PM daily. Call the shop or send the address for a written estimate.
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