
Florida’s 15-Year Roof Rule: What Homeowners Should Know
What Florida law says about roof age, inspections, policy renewal, and replacement requests A roof reaching 15 years of age can become an important factor during an insurance renewal. A recent WPTV report described Florida insurance professionals seeing greater emphasis on roof age in underwriting and pricing, particularly for asphalt and composition shingle roofs. That does not mean Florida law imposes an automatic statewide requirement to replace a roof when it reaches 15 years old. Instead, Florida law limits certain insurance decisions based solely on roof age and establishes an inspection process for roofs that are at least 15 years old. Other lawful underwriting considerations may still apply. These roof-age protections concern policy issuance and renewal. They do not determine

