--- title: "Can Homeowners Insurance Make You Replace Your Roof? FL Law" description: "Fla. Stat. 627.7011 sets no roof replacement age, but an insurer can make one a condition of the policy. What it allows, and how roofers can turn it into re-roof leads." published: "2026-10-28" canonical: "https://www.theroofidentifier.com/blog/can-homeowners-insurance-make-you-replace-your-roof" author: "Everitt Gill" --- Section 627.7011 sets no age at which a homeowner must replace a roof, but an insurer can make replacement a condition of issuing or renewing the policy. A carrier cannot refuse or decline to renew solely for age on a roof under 15 years old. On an older roof, it must allow an inspection first, and five or more years of useful life left blocks an age-only refusal. That gap between [what the law orders](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html) and what a carrier can require is where a lot of re-roof conversations start. Picture a block ranch off Hodges Boulevard whose last full tear-off went on in 2010. The roof turns 16 this year. The owner opens a renewal packet with questions about the roof, then asks the first roofer who knocks whether the insurance company can really make them replace it. The roofer who answers that accurately, in two sentences, is the one invited back to quote. ## Can an insurance company require a new roof in Florida? Yes, an insurer can require a new roof as a condition of issuing or renewing a homeowner's policy, but Florida's statute limits when roof age alone can be the reason. The homeowner faces a choice set by the carrier: meet the condition or lose that policy. ![Two-column figure showing whether homeowners insurance can make you replace your roof in Florida, comparing a younger roof with an older roof that needs an inspection.](https://yfvhnfihkflbnivhcgge.supabase.co/storage/v1/object/public/blog-images/customer-da9bba825f4376e010105504/can-homeowners-insurance-make-you-replace-your-roof/figure-1.svg) That difference belongs in your sales talk. Do not tell a homeowner the state says the roof has to go; section 627.7011 does not say that. Saying the carrier can make it a condition of coverage, within rules, keeps you credible. The rules sit in [section 627.7011 of the Florida Statutes](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html), and the roof-age subsection covers homeowner policies issued or renewed on or after July 1, 2022. ## What can't an insurer do on a roof under 15 years old? An insurer may not refuse to issue or refuse to renew a homeowner's policy on a roof [less than 15 years old](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html) solely because of the roof's age. The word solely carries the weight. The statute removes age by itself as the reason on a younger roof; it does not say a carrier must ignore everything else about that roof. For your team, a roof under 15 is rarely an insurance conversation. If the owner of a nine-year-old roof brings up their carrier, the accurate answer is short: age alone is not supposed to cost them the policy, and anything past that is a question for their agent. Sell those homes on what you can see from the ladder. ## What does the insurer have to allow on a roof 15 years or older? For a roof at least 15 years old, the insurer must let the homeowner have it inspected by an authorized inspector, at the homeowner's expense, before requiring replacement. If that inspection shows [5 or more years of useful life remaining](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html), the insurer may not refuse to issue or renew solely because of roof age. Read in order, the rule gives the homeowner a path and gives you two outcomes, and a roofer matters in both. If the inspection shows five years or more, the age-only protection holds and the owner can plan a re-roof on their own timeline. If it shows less, the statute's age-only protection does not apply, so the carrier's own underwriting decides what it requires. Either way, the homeowner ends up with a written assessment of the roof and a reason to think about timing. Notice who pays. The statute puts the inspection cost on the homeowner, so say so up front instead of letting it surprise them later. ## Who counts as an authorized inspector? An authorized inspector is one the insurer approves, and the statute's list includes a roofing contractor, alongside general, building and residential contractors licensed under section 489.111. Both conditions apply: the license and the carrier's approval. A roofing license alone does not make your report the one a given carrier accepts. Approval runs carrier by carrier, so find out which insurers your homeowners in Arlington, Mandarin or Jacksonville Beach actually carry and what each one asks of inspectors before you offer the service. Inspection work also has its own limits on what you may offer a homeowner in return, which Florida's [section 489.147](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0489/Sections/0489.147.html) spells out and our [Florida roof laws](https://www.theroofidentifier.com/blog/florida-roof-laws) post covers in full. ## How is roof age counted for insurance? Roof age is calculated from the [last date 100 percent of the roof's surface area was built or replaced](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html). A patch, a slope replaced after a leak, or new ridge cap does not restart the count. Only a full replacement does, or partial replacements that together cover the whole roof, which count from the first one. This is the most useful line in the statute for prospecting. The homes that matter are the ones whose last full roof went on 15 or more years ago, which in 2026 means a complete re-roof in 2011 or earlier. A house built in the 1990s that had one slope redone after a storm can look newer from the street than it counts on paper. Public property and building-permit records are where a roofer can check when the last full roof went on, address by address, before [a canvasser](https://www.theroofidentifier.com/blog/what-is-a-canvasser) walks the street. ## How should a roofing company use this rule to find re-roof jobs? Use the 15-year line to choose which streets to work, and use the inspection rule as a reason to talk, never as a scare. A few habits keep that clean: - Work homes whose last full roof is 15 or more years old first, instead of knocking or mailing a whole ZIP. - State the rule as it reads and stop there. Policy questions go to the homeowner's agent. - Never promise an inspection outcome. You can promise an honest report. - Keep the homes that pass. A roof inspected with five or six years left is a re-roof on next year's calendar, and you already know the owner. When the conversation turns to whether a specific house is too old to insure, the post on how old a roof can be for insurance in Florida covers that talk at the door. When it turns to repair versus full replacement under the building code, the [Florida roof replacement law](https://www.theroofidentifier.com/blog/florida-roof-replacement-law) post covers the 25% rule. The roofers who do well with this rule are the ones at the door before the renewal packet arrives, with the facts straight. If you want a head start on the Duval homes crossing that line, Roof Identifier ranks homes by how likely the roof is due, holds each ZIP for one roofer through Territory Lock, and will send a free ZIP Roof Report for your ZIP.