Florida
Florida roof age and your insurance: what's actually true in 2026
The 15-year rule, the five-years-remaining inspection, and the ACV roof endorsement — sorted out.
The 15-year rule
Since 2022, a Florida carrier can't refuse to write or renew a policy solely because a roof is less than 15 years old. Past 15, they can require an inspection showing at least five years of remaining useful life. That inspection is a roofer's or inspector's professional opinion — the format matters less than the credibility of who signs it.
Actual cash value roofs
Carriers can now offer a roof endorsement that pays actual cash value — replacement cost minus depreciation — on older roofs, in exchange for a lower premium. If your roof is 18 years old and the endorsement is on the policy, a covered claim may pay a fraction of the replacement cost. Check the declarations page before you assume a claim will buy a new roof.
What a new roof does
Resets the age clock, removes the inspection requirement, and — if built to score well on the wind mitigation form — takes a meaningful percentage off the premium. Get the replacement quote and a sample wind mitigation form together and hand both to your agent.