How Old Can a Roof Be for Insurance in Florida?
How old can a roof be for insurance in Florida: see what Florida insurers check. Type your address to see your roof age and records the way an insurer sees them. Free, no signup.
No Florida statute sets a maximum roof age, and each carrier sets its own appetite. Shingle roofs draw scrutiny from the mid-teens, and the private market thins sharply near 20 years.
Insurable roof age by material.
Asphalt shingle in Florida's sun and storms lasts about 15 to 20 years.
Tile and metal age on a longer clock. Carrier scrutiny on those roofs typically starts in their thirties.
- About 15 years. Expect the carrier to ask for a 4-point inspection before it writes or renews.
- Near 20 years. Older homes may land with Citizens or with a policy that depends on wind mitigation.
- No permit on record. The carrier dates the roof from the year the house was built.
How to check your roof age first.
Carriers read the public records on your house, and you can read them first.
- 01
Type your address
The roof report dates your roof from the latest re-roof permit, or labels the age as an estimate.
- 02
Check where the date comes from
Statewide, 58% of roof ages on record are permit-backed. If you re-roofed and yours shows an estimate, find the permit.
- 03
Plan the inspection
Past about 15 years, have the roof inspected before the carrier asks.
- 04
Get a replacement quote
If the roof is near the end of its life, send a replacement quote request to partner Florida roofers from the estimator.
The 15 year shingle rule.
Florida's 2022 reforms, SB 2-D, limit how insurers treat older shingle roofs.
The roof it covers
A shingle roof over 15 years old on a homeowners policy.
The insurer's limit
It generally cannot refuse to write or renew over that roof's age alone.
The inspection you need
An authorized inspection finding at least 5 years of useful life remaining.
Carrier appetite
Carriers still decide how they weigh tile, metal and roofs with no permit on record.
Common questions.
No. Florida law leaves the limit to each carrier, and two insurers can treat the same roof differently. Check your roof age on record before you shop for a policy, because that number is the first thing every carrier reads, and a wrong date is easier to correct before an application than after a refusal.
Generally not on age alone, if the roof is shingle and an authorized inspector finds 5 or more years of remaining useful life. Book that inspection before your renewal and keep the report with your policy papers. Without it, the carrier decides on its own terms, and an older shingle roof gives it room to say no.
No fixed number applies to tile or metal. Both outlast shingle in Florida, and carriers give them more years before asking questions, which puts a tile or metal roof in its twenties in a better spot than a shingle roof of the same age. Your roof report shows the material on record, which tells you which clock you are on.
Your roof may have no county re-roof permit on file, which leaves the carrier using the age of the house instead. The roof report labels that case as an estimate, a sign the record needs help. Track down the permit or the roofer's records and send them to your agent before renewal, along with the address of the house.
A replacement gives the roof a new permit date, the figure carriers read before condition or material, and it restarts the clock that pushed the private market away. Partner Florida roofers quote the job when you send a request from the estimator. A wind mitigation inspection, completed on the state form, can also earn credits on whichever policy you end up with.