Under Florida Statute 627.7011, an insurer cannot refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old. If your roof is 15 years or older, you have the right to have it inspected by an authorized inspector. If the inspection shows at least five years of useful life remaining, the insurer can’t refuse coverage based on roof age alone.
Insurers can still decline coverage for a roof that’s damaged, leaking, or in poor condition. Older homes, often 30+ years, may also need a 4-point inspection of the roof, electrical, plumbing, and HVAC. Common problems include Federal Pacific or Zinsco panels, polybutylene pipes, and aging water heaters. Keep permits and receipts for any updates.
Questions about your own policy? Near Me Insurance in Oviedo helps homeowners and drivers across Seminole and Orange County compare options from multiple carriers.
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