Florida Roof Age Insurance Check
Enter the year your roof was last fully replaced to see where it stands under Florida's roof age law and Citizens' roof rules.
Quick answer
Under section 627.7011, Florida Statutes, an insurer can't refuse to write or renew a homeowners policy solely because the roof is less than 15 years old. For a roof 15 or older, the insurer must let you get an inspection by an authorized inspector, at your expense, and can't refuse solely on age if the roof has at least five years of useful life left. Condition can still matter, and Citizens has its own roof rules.
Roof age questions
How is a roof's age counted for insurance in Florida?
From the last date 100% of the roof's surface was built or replaced, under section 627.7011(5)(d). If it was replaced in sections, age runs from the first partial replacement once the later ones finish the whole surface. A permit or the roofer's invoice is the usual proof.
Can my insurance company make me replace a 15-year-old roof?
Not without first letting you get an inspection by an authorized inspector, at your expense. If the inspection shows at least five years of useful life left, the insurer can't refuse to write or renew solely because of the roof's age. It can still act on the roof's condition or other underwriting reasons.
Who can do the roof inspection?
An inspector the insurer approves who is a licensed home inspector, certified building code inspector, licensed general, building, residential or roofing contractor, professional engineer, professional architect, or another person the insurer recognizes as qualified.
Sources: Section 627.7011, Florida Statutes (opens in a new tab), checked October 2026; Citizens' roof rules as cited in our roof age guide.