Roof Age and Home Insurance in Florida: What the Rules Actually Say
Florida law does not let an insurer refuse to write or renew a homeowner's policy solely because a roof is under 15 years old. Once a roof turns 15, the insurer can require an inspection before renewal — but if that inspection shows at least 5 years of useful life left, age alone still isn't grounds to refuse coverage. Some insurers also set their own, stricter age limits for brand-new policies; that part varies by carrier.
What does Florida law actually say?
The rule lives in Florida Statute 627.7011, which applies to homeowners' policies issued or renewed on or after July 1, 2022. It works in two stages, based on the roof's age:
| Roof age | What the insurer can and can't do |
|---|---|
| Under 15 years | Cannot refuse to issue or renew the policy solely because of the roof's age. |
| 15 years or older | Can require a roof inspection by an authorized inspector, at the homeowner's expense, before renewal. Cannot refuse to issue or renew solely for age if that inspection shows 5 or more years of remaining useful life. |
What is a roof certification, and why would I need one?
A roof certification (also called a roof condition inspection) is the document that satisfies the second row of that table: a licensed inspector puts the roof's remaining useful life in writing — 3 to 5 years or more — for the insurer to review. It's a separate document from a 4-point inspection, which checks the roof alongside three other home systems for a different reason. See that guide for how the two compare.
How old is too old for a brand-new policy?
The 15-year rule is a floor, not a ceiling — insurers can still set their own, stricter age limits for policies they're writing for the first time. Citizens Property Insurance Corporation, Florida's state-backed insurer of last resort, is a public example: it generally won't write a new policy on a shingle roof older than 25 years, or a tile roof older than 50 years, without a satisfactory roof condition inspection. Private insurers set their own limits, which TSC does not have visibility into and won't guess at here — ask your agent for your specific carrier's cutoff.
Common questions
Can my insurer cancel my policy mid-term just because my roof turned 15?
No. The 15-year rule in F.S. 627.7011 governs whether an insurer can refuse to issue or renew a policy — it does not authorize canceling an active policy mid-term over roof age alone.
Who is allowed to perform the roof inspection insurers ask for?
The statute calls this person an "authorized inspector." In practice that includes licensed contractors like TSC (Certified Roofing Contractor CCC1328047) and licensed home inspectors (TSC also holds HI6189).
Need documentation of how many years your roof has left? See our 4-point & roof inspections →
Sources
- Florida Statute 627.7011, The Florida Senate — accessed August 26, 2026.
- Four-Point and Roof Condition Inspection Requirements, Citizens Property Insurance Corporation — accessed August 26, 2026.
Ready to get your roof documented?
TSC is licensed to both inspect and repair — Certified Roofing Contractor CCC1328047, Home Inspector HI6189. One call covers the inspection and, if you need it, the fix.