Florida's 15-Year Roof Rule: Can Your Insurer Drop You Over Roof Age?
Roof age is one of the biggest reasons Florida homeowners get a nonrenewal notice or cannot find coverage. Florida law sets rules for how insurers may use it. Here is what section 627.7011 of the Florida Statutes says.
Roofs under 15 years old
An insurer may not refuse to issue or refuse to renew a homeowners policy on a home with a roof that is less than 15 years old solely because of the age of the roof.
Roofs 15 years old or older
For a roof that is at least 15 years old, the insurer must allow you to have a roof inspection performed by an authorized inspector, at your own expense, before it can require you to replace the roof as a condition of issuing or renewing the policy.
If the inspection shows the roof has 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.
How roof age is counted
Under the statute, roof age is based on when 100 percent of the roof surface was built or replaced to the building code in effect at the time.
When the rule applies
The statute says it applies to policies issued or renewed on or after July 1, 2022.
What the law does not say
- It does not require an insurer to give you a discount or a low price. Insurers can still price older roofs higher.
- It speaks to refusing to issue or renew because of roof age. Do not assume it protects you from every other reason for a nonrenewal, such as claims history or other property conditions.
- It does not set your coverage terms. Some insurers offer older roofs coverage that pays claims at actual cash value (after depreciation) instead of replacement cost, so read your policy.
What to do if your roof is near or past 15 years
- Find your roof's age. Look for the permit date or invoice for the last full replacement.
- Get an inspection before renewal. If your insurer sends a notice, ask the agent exactly what inspection it will accept and by when.
- Compare options. An independent agent can quote other insurers. See our guide to Citizens insurance if private coverage is hard to find.
- Plan for replacement. If the inspection shows less than 5 years of life, ask what repair or replacement would satisfy the insurer.
- Look for help paying for upgrades. See My Safe Florida Home.
Source
- Florida Statutes, section 627.7011 (2025): flsenate.gov
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