Many Florida homeowners are surprised to learn that their roof’s age and condition can impact whether their insurance policy is renewed. In recent years, insurance companies have tightened requirements due to storm risk and costly claims.

Understanding Florida insurance roof requirements can help you avoid policy cancellation, unexpected expenses, and last-minute repairs.

This guide explains roof age rules, inspection requirements, and what you can do to maintain coverage.

Why Insurance Companies Care About Your Roof

Florida experiences frequent severe weather, including hurricanes, heavy rain, and high winds. Roof failures are one of the most common and expensive insurance claims.

Because of this risk, insurers evaluate:

• Roof age

• Roofing material type

• Structural condition

• Storm resistance

• Maintenance history

Older or poorly maintained roofs present a higher risk, which can affect coverage eligibility.

Common Florida Roof Age Requirements

While requirements vary by insurer, many Florida insurance companies follow similar guidelines:

Asphalt Shingle Roofs

• Typically must be under 15–20 years old

• May require inspection after 10–15 years

Tile, Metal, and Slate Roofs

• Can often qualify for coverage longer

• Still require proof of good condition

Roofs Over 20 Years Old

• May require certification of remaining useful life

• Could trigger non-renewal if deterioration is found

A professional roof inspection can determine whether your roof meets insurance standards.

What Is a Roof Certification Inspection?

If your roof is approaching the age limit, insurers may request a roof certification.

This inspection verifies:

• Remaining life expectancy

• Structural integrity

• Condition of materials

• Presence of leaks or damage

• Wind resistance capability

Certification may allow homeowners to keep coverage without immediate replacement.

Recent Changes in Florida Insurance Laws

Florida has updated regulations to help homeowners facing insurance challenges.

In many cases:

• Insurers cannot deny coverage solely due to roof age

• If a roof has at least 5 years of useful life remaining, coverage may still be available

• Inspections may be required to verify condition

However, insurers can still deny coverage if the roof shows significant damage or deterioration.

How to Avoid Insurance Non-Renewal

To reduce the risk of policy cancellation:

Schedule Regular Roof Inspections

Annual inspections identify problems before insurers do.

Maintain Documentation

Keep records of repairs, inspections, and maintenance.

Address Minor Repairs Early

Fixing small issues can extend roof life and prevent coverage issues.

Upgrade Storm Resistance

Improving underlayment, flashing, and fastening systems may improve insurability.

Signs Your Roof May Be Flagged by Insurance Companies

Watch for warning signs such as:

• Curling or missing shingles

• Visible wear or deterioration

• Soft spots or sagging areas

• Interior water stains

• Previous storm damage

• Roof age approaching 15–20 years

If you notice any of these issues, scheduling an inspection is essential.

What If Your Roof Doesn’t Meet Insurance Requirements?

If your roof fails inspection, you still have options:

• Perform necessary repairs

• Obtain a certification after repairs

• Replace the roof if required

• Upgrade to more durable roofing materials

A roofing professional can help you understand the most cost-effective solution.

Why Proactive Inspections Save Money

Waiting until an insurer flags your roof can leave you with limited time and fewer contractor options.

Proactive inspections help you:

• Avoid emergency replacements

• Maintain insurance coverage

• Prevent storm damage

• Extend roof lifespan

Schedule a Roof Inspection Before Insurance Issues Arise

If your roof is approaching 15 years old or showing signs of wear, now is the time to schedule an inspection.

Maverick Roofing helps Florida homeowners evaluate roof condition, meet insurance requirements, and protect their homes from storm damage.

Schedule your free inspection today to ensure your coverage and peace of mind.