Florida's 15-Year Roof Rule Explained

Short answer: Under Florida law, an insurer cannot refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old. If the roof is 15 years or older, the insurer must let you get a roof inspection by an authorized inspector before requiring replacement; if it shows at least 5 years of useful life left, the insurer cannot refuse solely because of roof age.

Roofs under 15 years

The insurer cannot refuse to issue or renew a homeowners policy solely because of the age of a roof under 15 years.

Roofs 15 years or older

Before requiring replacement, the insurer must allow the homeowner to have the roof inspected by an authorized inspector. The homeowner pays for that inspection.

The 5-year threshold

If the inspection shows 5 or more years of useful life, the insurer may not refuse to issue or renew solely because of roof age. Condition and other underwriting criteria can still matter.

What to do

  1. Find your roof permit year (county or city permit records).
  2. If the roof is 15+ years old, hire an authorized inspector to document remaining useful life.
  3. Send the report to your agent or insurer before the renewal deadline.

FAQ

Does the 15-year rule mean my roof must be replaced at 15?

No. It is a protection: under 15 years, age alone cannot be the reason for refusal; at 15+ years you have an inspection path.

Who pays for the roof inspection?

According to Florida DFS, the homeowner is responsible for the cost of the inspection.

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Sources

Last reviewed: November 2, 2026. Rules change; confirm with the official source.

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