Roof age and insurability in Florida
Roof age is often the first thing a Florida carrier checks. Florida law bars insurers from refusing to write or renew solely because a roof is under 15 years old, and older roofs with 5+ years of life left on an inspection get similar protection. Material, condition and permit records all matter.
What does Florida law say?
Under s. 627.7011(5), Florida Statutes (for policies issued or renewed on or after July 1, 2022), an insurer may not refuse to issue or renew a homeowners policy solely because of roof age if the roof is less than 15 years old. For a roof 15 years or older, the insurer must let you get an inspection by an authorized inspector (at your expense) before requiring replacement, and may not refuse solely because of age if that inspection shows at least 5 years of useful life left. Insurers can still underwrite on roof condition and other factors.
Does roof material matter?
Yes. Shingle, tile, metal and flat roofs have different expected lives, and many carriers treat them differently. Some policies settle roof claims on a schedule tied to age rather than full replacement cost, which is worth checking line by line.
What documents help?
- The roof permit and final inspection from your building department.
- A current wind mitigation report.
- A 4-point inspection for older homes.
Is my home uninsurable with an older roof?
Not necessarily. Options vary by carrier, and Nymble can quote every applicant and walk you through what is available for your home.
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Start a private quoteGeneral information, not legal advice or a coverage determination. Policy terms control.