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Roof age, insurance eligibility and reroof payback
Florida law limits when an insurer can refuse you solely because of roof age. It does not set a price. If you have a current quote and a new-roof quote, you can see how long the premium difference would take to repay the reroof.
The 15-year rule (s. 627.7011)
For homeowners policies issued or renewed on or after July 1, 2022:
- An insurer may not refuse to issue or refuse to renew a homeowners policy on a residential structure solely because the roof is less than 15 years old.
- If the roof is at least 15 years old, the insurer must allow you to have an inspection by an authorized inspector, at your expense, before requiring replacement as a condition of issuing or renewing the policy.
- The insurer may not refuse to issue or renew solely because of roof age if that inspection shows the roof has 5 years or more of useful life remaining.
- Roof age is measured from the last date 100% of the roof surface was built or replaced under the building code then in effect, including sequential partial replacements that together cover 100%.
Authorized inspectors include licensed home inspectors, building code inspectors, contractors (including roofing contractors), professional engineers and architects, and anyone else the insurer recognizes as qualified. The Florida Insurance Consumer Advocate publishes a plain-language summary of the same rule.
The statute does not freeze your premium, require replacement-cost payment on every roof claim, or stop an insurer from declining a risk for condition or for reasons unrelated to age. Insurers may still rate an older roof higher. We therefore do not invent a "percent increase per year of roof age."
A wind-mitigation inspection (Form OIR-B1-1802) is a different form from this eligibility inspection, though a new roof can also support mitigation credits. See the wind mitigation calculator.
Sources
- Section 627.7011, Florida Statutes (2026) (an insurer may not refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old; for a roof at least 15 years old the insurer must allow an authorized inspection at the homeowner's expense and may not refuse solely because of roof age if the inspection shows at least 5 years of useful life remaining; applies to policies issued or renewed on or after July 1, 2022)
- Florida Insurance Consumer Advocate: Property Insurance Changes (plain-language summary of the roof-age rule in s. 627.7011)
- Florida OIR: Wind Mitigation Resources (s. 627.0629 requires periodic review of wind-resistive features and discounts; Uniform Mitigation Verification Inspection Form OIR-B1-1802 updated effective April 1, 2026; the form is valid for up to five years if nothing material changes; credits and the consumer notice are described on insurer-filed forms OIR-B1-1699, OIR-B1-1700 and OIR-B1-1655, which OIR lists as pending updates)
Common questions
Can my insurer drop me because my roof is 12 years old?
Not solely because of age. Section 627.7011 says an insurer may not refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old. It can still decline or nonrenew for other underwriting reasons, including the roof's condition.
If my roof is 18 years old, do I have to replace it to keep coverage?
Not automatically. The insurer must let you obtain an authorized inspection at your expense. If the inspector finds at least five years of useful life remaining, the insurer may not refuse to issue or renew solely because of roof age.