This page explains a Florida statute in plain words. It is not advice about any policy; questions about yours go to your insurer or an attorney. The number on this page connects homeowners planning a full roof replacement with independent licensed contractors in Florida; it does not handle insurance.
The law: Fla. Stat. § 627.7011(5)
For homeowners policies issued or renewed on or after July 1, 2022:
- Under 15 years old. An insurer may not refuse to issue or renew a policy "solely because of the age of the roof" when the roof is less than 15 years old.
- 15 years or older. Before requiring the roof to be replaced, the insurer must let you have the roof inspected, at your expense, by an authorized inspector. If the inspection shows 5 years or more of useful life remaining, the insurer may not refuse to issue or renew solely because of the roof's age.
- How age is counted: from "the last date on which 100 percent of the roof's surface area was built or replaced." A partial reroof does not reset it.
A 2026 bill to change the roof-age rules (HB 815) died in subcommittee on March 13, 2026; § 627.7011(5) has not changed since 2024.
What a full replacement changes
- Roof age starts over under § 627.7011(5)(d), because 100 percent of the surface is replaced.
- The wind mitigation form. Florida's uniform mitigation verification form (OIR-B1-1802, current version effective April 1, 2026) asks about the roof covering in question 4. Its answer "A" includes a roof with "a roofing permit application date on or after 3/1/02." What any answer means for a premium is up to the insurer.
- Citizens. Florida's state-created insurer has published its own roof rules; its March 2023 bulletin set a minimum of five years of remaining useful life for eligibility. Check Citizens' current rules directly if that is your insurer.
Planning the replacement
On a site-built single-family house permitted before March 1, 2002, a full replacement must also include a secondary water barrier and re-nailing of the roof deck (Fla. Stat. § 553.844(3)). See replacing a roof in Florida for the code side, and Florida roofing licenses for who may do the work and what the contract must say.
Questions
Can a Florida insurer refuse to renew a policy because of roof age?
Under Fla. Stat. § 627.7011(5), for homeowners policies issued or renewed on or after July 1, 2022, an insurer may not refuse to issue or renew solely because of the roof’s age when the roof is less than 15 years old. Questions about a specific policy go to the insurer or an attorney.
What happens when a Florida roof is 15 years or older?
Before requiring a replacement, the insurer must let the homeowner have the roof inspected, at the homeowner’s expense, by an authorized inspector. If the inspection shows 5 or more years of useful life remaining, the insurer may not refuse to issue or renew solely because of roof age (Fla. Stat. § 627.7011(5)).
How is roof age counted under Florida law?
It is counted from the last date on which 100 percent of the roof’s surface area was built or replaced. A partial reroof does not reset the age, while a full replacement starts it over (Fla. Stat. § 627.7011(5)(d)).
Did Florida change its roof age law in 2026?
No. A 2026 bill to change the roof-age rules, HB 815, died in subcommittee on March 13, 2026, and § 627.7011(5) has not changed since 2024.