Florida Roof & Insurance 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.