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Your Guide to Roof Requirements for Homeowners Insurance In Florida

Roof Requirements for Insurance Can Be Tricky for Homeowners in Florida

While roofing everywhere is different, the roofing situation in Florida is particularly unique. Between the constant threats of major storms and hurricanes, excessive heat, and intense sunshine, roofs take a beating over the course of their service life. Even at the best of times, roof requirements for homeowners insurance for Florida residents can be tricky, as providers are well aware of the threats to roofs in our state.

Now, however, due to hurricanes and abuse of the insurance system, many providers are requiring homeowners to replace roofs that are 10 years old or older, and refusing to provide coverage otherwise. What’s happening, and what can you do about it? Let’s take a look.

Many Providers Require a 10-Year Replacement Before Coverage

Florida homeowners looking to purchase insurance may have run into stringent roof requirements over the last few years. We’ve heard many report that providers are requiring them to replace their roof before they’ll receive coverage, even for a roof that is well within its service life at 10 years old. There is some wiggle room, however; for example, providers may require a replacement for different roof materials after varying periods of time:

  • Asphalt shingles: 10–15 years
  • Tile: 15–25 years
  • Metal: 15–30 years

While asphalt shingle roofs have the shortest expected lifespan, 10 years is still well short of the typical lifespan of around 15–25 years. These ranges fall even shorter for metal and tile. What’s happening here?

The Perfect Storm(s)

Two major factors have played a role in making insurance providers tighten their roof requirements for homeowners in Florida. One is fairly obvious: hurricanes have increased in frequency and intensity, and both Hurricane Ian and Hurricane Nicole caused widespread damage and countless insurance payouts for roof replacements.

However, this perfect storm includes more than just hurricanes. Unfortunately, some unscrupulous lawyers and roofing companies have teamed up to demand outlandish payments from insurance providers, far beyond the costs needed to replace roofs. This has led to insurance providers encountering significantly higher costs to provide coverage within Florida, and some have even left regions entirely, reducing competition in our area.

Homeowners Insurance Roof Requirements May Be Loosening

The good news is that the situation has reached a point where lawmakers have begun taking action. Recent legislation has improved the problem, but roofing prices remain high and insurance requirements generally remain selective. While the problem is being addressed, it will likely take some time for things to normalize here for homeowners looking to purchase insurance.

Advice for Buyers: Do Your Roofing Homework

The best thing for homeowners interested in purchasing new insurance and potential homebuyers is to stay informed and do your homework before taking action. First-time buyers are especially vulnerable to these inflated requirements, as they’re more likely to be looking to purchase insurance for the first time.

Before closing a home sale, make sure to be in close contact with your realtor and a trusted insurance agent to learn more about homes you’re considering. Our contact for this blog post, Devin Peirce of Tom Collins Insurance, was an excellent source of information and would be more than willing to help homeowners make an informed decision.

Schedule a Roof Inspection Before You Buy!

Even in a more normal insurance environment, it’s always a good idea to have a roofing company you can trust to complete an inspection on any home you consider buying. Knowing more about the roof of your potential new home will help you make an informed offer, factoring in any potential roofing work that may—or may not—need to be done in the next few years.

Always inspect before you buy! Reach out to My Florida Roofing Contractor to schedule your inspection.

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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.

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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) 453-7219