Few letters worry a Florida homeowner like a non-renewal notice that mentions the roof. Florida law draws a clear line, and knowing where it sits can save you a rushed, expensive replacement.
Roofs under 15 years old
Under Florida Statute 627.7011(5), an insurer may not refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old. Age alone isn't a reason; condition still can be.
Roofs 15 years or older
Before an insurer can require you to replace a roof that is 15 or older as a condition of writing or renewing your policy, it must let you get a roof inspection by an authorized inspector, at your expense. If that inspection shows the roof has five or more years of useful life remaining, the insurer can't refuse to issue or renew solely because of the roof's age.
The statute's list of authorized inspectors includes licensed home inspectors, certified building code inspectors, licensed general, building, residential and roofing contractors, professional engineers and architects — or anyone else the insurer recognizes as qualified. Ask your insurer which inspectors it approves before you book one.
How roof age is counted
Roof age runs from the last date 100% of the roof surface was built or replaced under the code then in effect. If the roof was replaced in stages, the clock starts on the date the partial work began that eventually covered the whole surface. That's why your permit history matters — pull it from your county or city building department and keep a copy.
What to do if you get a roof-age notice
- Read the notice for the exact reason — age, condition, or both.
- Pull your roof permit record so you know the true installation date.
- If the roof is 15 or older, ask the insurer in writing which inspectors it accepts, and schedule one.
- Keep the inspection report, photos and your permit record together. Your own documentation counts here.
- If the inspection shows less than five years of life, get a written replacement estimate so you can compare quotes calmly rather than against a deadline.
The rule applies to homeowners policies issued or renewed on or after July 1, 2022. This page summarizes the statute; for advice on a specific policy, talk to your agent or a Florida-licensed attorney.
Common questions
Is a roof inspection free?
Under the statute the 15-year inspection is at the homeowner's expense.
Does the rule stop an insurer from citing roof condition?
No. The protections cover refusals based solely on age; a roof in poor condition can still be an underwriting issue.
This guide is general information from a licensed contractor, not legal or insurance advice. Rules change — check the official source linked above before you rely on it.