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 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.
What is the new law on roofs in Florida?
The new law states that insurers cannot deny coverage for roofs that are less than 15 years old or undergo an inspection that determines they have at least five more years of life.
How old can a roof be in Florida for insurance?
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.
How often do roofs need to be replaced in Florida?
While asphalt shingles come with warranties of 20 to 30 years, their lifespan in Florida is much shorter. High-quality architectural shingles have a life expectancy of 15 to 20 years. Conversely, 3-tab shingles are expected to last 10 to 12 years. Tile roofs in Florida last from 25 years to 50 years.
Do I need a permit to reroof my house in Florida?
Florida State Law requires homeowners or property owners to apply for a building permit for all installations or when replacing their roof. If you do not pull a permit, it is likely that your insurance company will not see when your last re-roof was done and make you replace your roof prematurely.
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?
The 2021 law also changed the roof coverage options available to homeowners. As Chris Gray for Roofing Contractor magazine writes, “The bill allows property insurers to only offer homeowner's policies that adjust roof claims to actual cash value if the roof is older than 10 years.
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.”