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Apparently I Need a New Roof

Insurance Is Requiring a New Roof for Many Florida Homeowners. Here’s What You Should Know

At installation, most new residential roofs have an expected lifespan of at least 15 years, and sometimes up to 30 depending on the type of material. However, many Florida homeowners have been faced with an unexpected situation: insurance companies are increasingly telling homeowners they need a new roof when their roof reaches 10 years or older.

At My Florida Roofing Contractor, we’ve spoken with numerous customers facing an unexpected roof replacement and helped them to navigate this process to protect their home. But what’s the reason for this emerging situation? And what steps should you take if your insurance company tells you you need a new roof? Let’s take a look.

Insurance Requires a New Roof Unexpectedly

Recently, we’ve gotten more and more confused calls from homeowners here at My Florida Roofing Contractor. Their situation is this: their insurance provider has required them to get a new, despite the roof being in generally good condition, simply because the roof is more than 10 years old. 

For most homeowners, this comes as a surprise, as residential roofs generally carry a longer expected lifespan than this.

Why Is Insurance Requiring a New Roof at 10 Years or Older?

Insurance companies depend on effective risk management to succeed. While the service they provide involves protecting their investment, they still need to make money. As roofs become riskier to protect, insurance companies must reconsider the level of protection they provide.

Here in Florida, we face a unique roofing situation given our state’s unique climate. Specifically, Florida is prone to hurricanes, which routinely damage or destroy asphalt shingle roofs, the most common in the residential industry. 

Insurance companies requiring homeowners to get a new roof is likely due to high volumes of claims for hurricanes, as the new roof is more likely to stand up against wind and storm damage due to being newly installed or because it will be made from a more durable material. 

Can I Wait to Replace My Roof?

In most cases, it isn’t a good idea to delay a roof replacement once your insurance provider has deemed it necessary. Not only is it possible for your insurance company to deny coverage in the future if you refuse to replace your roof, but material costs are continuing to increase year over year. Delaying a roof replacement now will likely result in needing to spend more money to replace your roof in the future. Therefore, if your insurance company has required you to get a new roof, the best course of action is to start planning your roof replacement right away.

We Can Accommodate Tight Timelines

Once it’s decided that your roof needs to be replaced, it’s best to replace it right away. As more and more homeowners are faced with this situation, we’ve been working hard at My Florida Roofing Contractor to work efficiently to accommodate this growing unexpected need. 

Our team is known for working diligently to build high-quality roofs while adhering to timelines, even if those timelines are restricted by unforeseen circumstances. 

Unsure About Your Next Steps? Talk to Our Team!

For many homeowners we’ve talked to over the last few months, a roof replacement was completely unexpected. At My Florida Roofing Contractor, our professional team of roofing experts and customer service specialists is standing by to help plan your new roof to ensure you continue receiving the insurance coverage you need. 

We’ll work with you to select the perfect new roof to suit your needs, your budget, and your desired look for your home. Contact us today to get started!


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James NicholsonJames Nicholson

I cannot recommend My Florida Roofing Contractor-Rene Reyes highly enough! As our roof was reaching its 20-year mark, we decided to entrust My Florida with the task, and we couldn't be more pleased with the experience.

From start to finish, the entire process was seamless and impressive. The roof passed its final inspection just a week after the work commenced, a testament to the efficiency and quality of their work. The crew's service and work ethic were truly outstanding, and their teamwork and attention to detail were remarkable.

Throughout the project, I was kept informed of every step, ensuring that I was always in the loop. The crew's professionalism shone through not only in their work but also in how diligently they cleaned up after themselves. To top it off, the roof was completed by the end of the second day, showcasing their commitment to timeliness and excellence.

Dan, who was present throughout the entire process, deserves special commendation for his professionalism and the smooth flow he brought to the project. Working with him was a pleasure and ensured that everything went according to plan.

In conclusion, My Florida Roofing Contractor-Rene Reyes exceeded our expectations in every way. If you're looking for a reliable, efficient, and professional roofing contractor, look no further. Thank you to the entire team for a job well done!

Celeste CenterCeleste Center

Wow! My roof is beautiful! Felix is very knowledgeable and walks you through the process. The crew was very professional, respectful, and efficient. They did a free temporary patch of a leak. They got the work done right on schedule. The best roof for the lowest price! They are approved contractors with the My Safe Florida Home grant program.

Your Roof Is Our Passion.
Let Us Assist You With Your Next Roofing Project.

Call Us Today!
(772) 218-5288

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for Over 20 Years.

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Your Roof is Our Passion. Let Us Assist with Your Next Roofing Project.

Family Owned & Operated for Over 15 Years. Call Us Today! (772) 206-4506