Understanding the 15-Year Roof Rule
Insurers are continually looking to minimize risk, and older roofs are often seen as a liability. However, Florida Statute 627.7011(5) provides clear guidelines on how insurance companies must handle roof age:
Roofs under 15 years old
An insurance company cannot refuse to issue or renew a homeowner's policy solely because of the age of the roof if it is less than 15 years old.
Roofs 15 years or older
If your roof is at least 15 years old, your insurer must allow you to get an inspection by an authorized inspector at your own expense. If the inspection shows that the roof has 5 years or more of useful life remaining, the insurer cannot refuse to renew your policy based purely on age.
Steps to Take Before You Lose Coverage
Take action early to protect your policy and your roof.
Schedule a Professional Inspection
Don't wait for your insurance company to drop you. Having a licensed local roofing contractor inspect your roof can give you an accurate assessment of its remaining lifespan.
Document and Repair
Sometimes, minor maintenance issues like curling shingles or poor ventilation can be red flags for insurers. Addressing these early can keep your roof in compliance.
Know Florida's 25% Rule
Under the Florida Building Code, if more than 25% of a roof or roof section is repaired, replaced, or recovered within a 12-month period, the entire roof system or roof section may have to be replaced or brought up to current code. However, Florida law provides an important exception: if the roof or roof section was built, repaired, or replaced in compliance with the 2007 Florida Building Code or later, only the affected portion may need to meet the current code.
Whether your property is in Broward, Miami-Dade, or Palm Beach, Safetech Roofing & Windows is here to help you evaluate your roof's condition and keep your home protected.