What section 627.7011 says about roofs under and over 15 years old, and what homeowners can do.
Florida law limits how insurers can treat roof age on homeowners policies. This is a plain-English summary, not legal advice: always confirm with your insurer or agent.
Under section 627.7011(5), Florida Statutes, an insurer may not refuse to issue or renew a homeowners policy solely because of the age of a roof that is less than 15 years old.
For an older roof, the insurer may ask for an inspection. If an authorized inspector finds that the roof has at least 5 years of useful life left, the insurer may not refuse to write or renew the policy solely because of roof age.
Roof age is generally counted from when the roof was last fully replaced (or built). The date on the re-roof permit is the simplest evidence. Check your address to see the last roof permit on record.
Insurers can still use other underwriting rules — the roof's condition, the type of roof, wind mitigation and more. The rule is about refusing coverage solely for age.
Check your roof age in seconds: free roof age lookup by address →