Florida Roof Age & Insurance Calculator
Answer 7 questions and see in seconds: (1) whether your roof age puts your policy at risk under Florida law and Citizens rules, (2) an estimated replacement cost range including permits, and (3) how a wind mitigation form may lower your premium.
Free · 60 seconds
Roof risk & cost calculator
FAQ
Can my insurer drop me for a 10-year-old roof?
Under Florida law, an insurer cannot refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old.
What roof age does Citizens accept?
Citizens requires proof of replacement for shingle roofs over 25 years and tile or metal roofs over 50 years, unless an inspection documents 5+ years of remaining useful life.
📚 Guides
Florida's 15-Year Roof Rule ExplainedWhat Florida law says about roof age and homeowners insurance renewals, and the 5-year remaining-life inspection path.Citizens Insurance Roof Requirements (2026)Citizens Property Insurance roof age limits: 25 years for shingle, 50 for tile/metal, 5-year remaining useful life documentation.4-Point Inspection in Florida: What It Is and When Citizens Requires ItThe four-point inspection covers roof, electrical, plumbing and HVAC. Citizens requires it for new policies on homes over 20 years old.Wind Mitigation Form OIR-B1-1802 (Rev 04/26)The uniform mitigation verification form used for Florida wind insurance discounts, the Rev 04/26 version and what it documents.Florida's 25% Roof Repair Rule (and the 2007 Code Exception)When repairing more than 25% of a roof section triggers bringing the whole section to current code, and the statutory exception.HVHZ Roofing in Miami-Dade and HomesteadHigh-Velocity Hurricane Zone roofing rules: product approvals (NOA), Homestead roof package requirements and Miami-Dade permit fees.My Insurer Won't Renew Because of My Roof: What to DoA step-by-step checklist for Florida homeowners who got a non-renewal or replacement demand tied to roof age.
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Lehigh AcresLee CountyFort MyersLee CountyCape CoralLee CountyHomesteadMiami-Dade County · HVHZUnincorporated Miami-DadeMiami-Dade County · HVHZ
Monthly newsletter: Florida roofs & insurance
Citizens rule changes, permits and grants. No spam.
Sources
- Florida DFS – Property Insurance Changes
- Citizens FAQ – Roof age requirements
- Citizens – Inspections
- Perkins Roofing – South Florida cost per square (Oct 2026, contractor planning ranges)
- Lee County – Building Permit Fee Schedule (eff. Apr 15, 2026)
- Miami-Dade Implementing Order 4-63 (fees eff. Oct 1, 2026)
Last reviewed: November 2, 2026. Rules change; confirm with the official source.