Florida’s 15-Year Threshold, and the Inspection Right That Follows It
Florida insurers cannot deny or nonrenew a homeowners policy solely because the roof is less than 15 years old, a protection enacted via Senate Bill 76 in 2021 and codified at Florida Statute Section 627.7011. Once a roof reaches 15 years old, the homeowner gains the right to submit a roof inspection showing at least 5 years of remaining useful life; if the insurer accepts that report, coverage must continue, and age alone cannot be used as the denial reason. Citizens, Florida’s state-backed insurer, currently requires roof inspections for homes with roofs 15 years or older as part of a four-point inspection evaluating estimated remaining useful life, a real-world application of the same threshold.
Who Can Perform the Qualifying Inspection
House Bill 1611, effective July 2024, expanded the pool of authorized inspectors eligible to conduct the remaining-useful-life inspection to include licensed roofing contractors, a narrower list before that change. The accepted certification format includes a certification from a licensed contractor stating the roof has at least three to five years of remaining useful life, an alternative inspection path alongside a formal inspection report.
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Book a Roofing CallA Single-Source Number Worth a Caveat
One figure is worth citing with its hedge attached rather than as settled fact: Florida has seen a reported 280% increase in homeowner insurance nonrenewals since 2018, with roof age commonly cited as a contributing factor. That percentage appears on only one of the two Florida insurance-agency sources this page draws from and was not independently corroborated by the second, so treat it as a single-source figure rather than a doubly verified one, unlike the SB 76 threshold and inspection-right facts above.
This Is Florida Law, Not a National Standard
Both sources behind this page are Florida insurance-agency blogs, not a national III, NAIC, or Florida OIR primary text; direct attempts to reach the Florida Legislature’s own statute text returned connection errors. The underlying facts, the 15-year threshold, the remaining-useful-life inspection right, and the HB 1611 inspector expansion, are corroborated across two independent sources and are safe to treat as accurate, but the exact statutory language should be verified against a live Florida Legislature source before being quoted verbatim. This page also stays deliberately on eligibility, nonrenewal, and inspection-requirement framing; the separate question of how roof age affects a homeowner’s premium once coverage is in place is already covered elsewhere on this site using Verisk’s premium-differential data.
The Numbers
Florida insurers cannot deny or nonrenew a homeowners policy solely because the roof is less than 15 years old, under Senate Bill 76 (2021), codified at Florida Statute Section 627.7011.
Once a Florida roof reaches 15 years old, the homeowner may submit a roof inspection showing at least 5 years of remaining useful life; if accepted, the insurer must continue coverage regardless of roof age.
House Bill 1611, effective July 2024, expanded the pool of authorized remaining-useful-life inspectors to include licensed roofing contractors.
Florida has seen a reported 280% increase in homeowner insurance nonrenewals since 2018, with roof age commonly cited as a factor; this figure is single-source and not independently corroborated.
Sources
The external data in this article draws on the sources below. Figures described in the text as estimates or industry triangulations are directional and are not attributed to a single dataset.
- GreatFlorida Insurance, Florida roof age rules and insurance nonrenewals
- Mesa Insurance, Florida roof age rules: what to know in 2026