What is the new roof law in Florida?

At the time, it was also standard to require that roofs with more than 25% damage were replaced rather than repaired. That's changing. A new Florida law now states that in the event of a storm, if more than 25% of the roof is damaged, the insurance company can determine whether to repair or replace the roof.

Can you insure a 15 year old roof in Florida?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof's age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Do you have to replace your roof every 15 years in Florida?

The money the seller paid for that roof may be warrantied for 30 years in northern states, but here in Florida that 30 Year Shingle Roof still must be replaced by the 15-year mark!

What is the Florida law for roof replacement?

At the time, it was also standard to require that roofs with more than 25% damage were replaced rather than repaired. That's changing. A new Florida law now states that in the event of a storm, if more than 25% of the roof is damaged, the insurance company can determine whether to repair or replace the roof.

Can you insure a 25 year old roof in Florida?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof's age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Can I get homeowners insurance with an old roof in Florida?

And for roofs that are older than 15 years, insurers would have to allow homeowners to have an inspection on the roof's condition before refusing coverage. If the inspection shows the roof has five or more years of useful life left, the insurance company could not reject coverage simply because of age.”

Can I get homeowners insurance with an old roof in Florida?

And for roofs that are older than 15 years, insurers would have to allow homeowners to have an inspection on the roof's condition before refusing coverage. If the inspection shows the roof has five or more years of useful life left, the insurance company could not reject coverage simply because of age.”

Who insures older roofs in Florida?

If your roof is 15+ years old you do have an option through the State of Florida Insurer… Citizens. Citizens Insurance is the state funded insurance company designed to help homeowners find insurance when no private market is able to help. They are referred to as “The Company of Last Resort”.

What is the new roof law in Florida?

At the time, it was also standard to require that roofs with more than 25% damage were replaced rather than repaired. That's changing. A new Florida law now states that in the event of a storm, if more than 25% of the roof is damaged, the insurance company can determine whether to repair or replace the roof.

Does insurance cover a 20 year old roof in Florida?

And for roofs that are older than 15 years, insurers would have to allow homeowners to have an inspection on the roof's condition before refusing coverage. If the inspection shows the roof has five or more years of useful life left, the insurance company could not reject coverage simply because of age.”

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