Roof over 15 years old?
You may not need a new roof to keep insurance coverage.Florida law gives homeowners a path to document remaining roof life before an insurer requires roof replacement as a condition of issuing or renewing a homeowners insurance policy.
Know your rights before replacing your roof.
If your roof is at least 15 years old, your insurer must allow you to obtain a roof inspection by an authorized inspector, at your expense, before requiring roof replacement as a condition of issuing or renewing your properties policy.
- A Florida licensed Professional Engineer qualifies as an authorized inspector under the statute.
- If the inspection indicates the roof has five years or more of useful life remaining, the insurer may not refuse to issue or renew solely because of roof age.
- The statute applies to homeowners insurance policies issued or renewed on or after July 1, 2022.
What this means in practical terms
A roof age notice does not automatically mean replacement is the only option.
A qualified inspection may help document whether your existing roof still has enough useful life remaining for insurance purposes.
This is not a guarantee of coverage, claim approval, or underwriting acceptance for other reasons. It is an independent engineering evaluation designed to document roof condition and estimated remaining useful life.
Independent PE roof inspections for insurance documentation.
Florida Engineering LLC provides roof inspections and engineering documentation for homeowners, associations, and insurance professionals dealing with older residential roofs.
Roof Condition Review
Observed roof condition, visible deterioration, roof covering type, known age information, and accessible supporting documentation are reviewed by our inspection team.
Remaining Useful Life Assessment
The inspection focuses on whether the roof appears to have five years or more of useful life remaining for insurance-related documentation.
PE Documentation
When appropriate, Florida Engineering provides professional engineering documentation that can be submitted to your insurance carrier or agent.
From insurance concern to engineering report.
Submit Request
Tell us about the property, roof age, insurance deadline, and carrier request.
Schedule Inspection
We coordinate the site visit and gather available roof records or replacement history.
Evaluate Roof
Our team documents visible conditions and reviews the roof for useful life indicators.
Receive Report
You receive documentation for your records, insurance agent, or carrier submission.
Built for homeowners, associations, and insurance professionals.
Homeowners
If your insurer is questioning your roof age, get an independent engineering inspection before assuming a full roof replacement is required.
HOAs and Condo Associations
Associations with aging roof systems can use engineering documentation to support insurance conversations and board-level planning.
Insurance Agents
Give clients a professional inspection path when roof age becomes a barrier to issuing or renewing homeowners insurance.
Objective reporting from a Florida Engineering firm.
Florida Engineering LLC is a veteran-owned, family business offering structural, MEP, inspection, and related engineering services across Florida. Our roof insurance inspection service is designed to provide clear, professional documentation without overstating what the statute does or does not require.
- Clear scope for insurance-related roof age concerns.
- Professional documentation from a qualified Florida engineering provider.
- Support for homeowners, agents, boards, and property managers.
Common questions about older roofs and insurance inspections.
Can my insurer deny coverage just because my roof is over 15 years old?
For roofs that are at least 15 years old, Florida law requires the insurer to allow a roof inspection by an authorized inspector before requiring replacement as a condition of issuing or renewing a homeowners policy. If the inspection indicates five or more years of useful life remain, the insurer may not refuse to issue or renew solely because of roof age.
Does a Professional Engineer qualify as an authorized inspector?
Yes. The statute includes a professional engineer licensed under Florida law as an authorized inspector.
Does this guarantee my insurance carrier will issue or renew my policy?
No. The statute addresses refusal based solely on roof age. Insurance carriers may still apply underwriting criteria for other lawful reasons.
Who pays for the inspection?
The property owner, or manager pays for the inspection. The report can then be used in the insurance process as applicable.
How is roof age calculated?
Roof age is calculated based on the last date when 100 percent of the roof surface was built or replaced in accordance with the building code in effect at that time, or from the initial date of a partial replacement when later replacements resulted in 100 percent of the roof surface being built or replaced.
Need documentation for an older roof?
Send the property details, roof age, insurance notice, and deadline. Florida Engineering will review the request and provide next steps.
Start your roof insurance inspection request.
Send the property details, roof age, insurance notice, and deadline. Florida Engineering will review the request and provide next steps.
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