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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Ronson QuintoRonson Quinto

My Florida Roofing was phenomenal, always on time and detail oriented. Very knowledgeable on the different types of roofs and options. Felix and Maria, picked up the phone immediately and always answered my questions. The owner Rene was on site frequently looking over the job. They were also the best priced and were even recommended by other roofing companies. Very happy with the outcome.

Salima AlySalima Aly

Having my roof done by My Florida Roofing has been nothing less than an excellent experience. The entire team has been super professional and attentive from the beginning. From the office team who handles the paperwork/permits and customer service and quickly sets up appointments; to Felix, our very knowledgeable and courteous sales rep, who was in constant contact throughout the project time, to give us updates and check up on us; to the installers who did an amazing job; to the owner who made sure to personally come and inspect before, during and after the roof was installed. Everyone did an outstanding job. Now let's talk about GOING ABOVE & BEYOND: Maria - the project manager. She was absolutely the person that made the entire process smooth and easy. She was always available to answer any questions and to give me updates (Maria - you are amazing- thank you!) We love our new roof. I am thrilled we decided to use My Florida Roofing. Thank you! I totally recommend this company and to anyone who needs to come by and see our roof we are at Lindsey Lanes - Vero Beach (house will be painted off-white soon, but for now is Yellow) - See photo for reference.

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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