My Insurer Won't Renew Because of My Roof: What to Do
Short answer: First read the written reason. If the roof is under 15 years old, Florida law says the insurer cannot refuse to renew solely because of its age. If it is 15+ years old, you can get an authorized roof inspection; 5+ years of useful life means age alone cannot be the reason. If condition is the issue, repair or replace and keep the finalized permit.
Read the reason
A notice may cite age, condition, missing documentation or other criteria. Each needs a different fix.
Use the inspection path
For roofs 15+ years, an authorized inspection showing 5+ years of useful life blocks refusal based on age alone.
Shop alternatives
Ask an independent agent to quote other carriers. Citizens has its own age limits (25/50 years) and 4-point rules.
Get help
Florida DFS runs an Insurance Consumer Advocate office for consumer questions.
What to do
- Read the written non-renewal reason and date.
- Check roof age from permit records.
- Get a roof or 4-point inspection.
- Send documents to the insurer or shop other carriers.
- If replacement is needed, get 2–3 written estimates and keep the finalized permit.
FAQ
Can I fight a non-renewal based only on roof age?
If the roof is under 15 years, or is 15+ with an inspection showing 5+ years of life, Florida law says age alone cannot be the reason. Other criteria can still apply.
Sources
Last reviewed: November 2, 2026. Rules change; confirm with the official source.
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