---
title: "Florida Homeowners Insurance Non Renewal: The Roofer's Side"
description: "Florida's 120-day non-renewal notice and 15-year roof-age rule, explained for roofing sales teams who want the re-roof conversation without giving insurance advice."
published: "2026-11-02"
canonical: "https://www.theroofidentifier.com/blog/florida-homeowners-insurance-non-renewal"
author: "Everitt Gill"
---

A Florida homeowners insurer that decides not to renew a policy must send the first-named insured [written notice at least 120 days before](https://www.flsenate.gov/Laws/Statutes/2025/627.4133) the effective date, and the notice must give the reason. When the reason is roof age, Florida law bars non-renewal [solely because of the age of a roof under 15 years old](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html). Older roofs get an inspection route.

Those two rules sit in two statutes, sections 627.4133 and 627.7011, and the second one is why a non-renewal letter can end up in front of a roofer. When the letter names the roof, the homeowner holding it has a deadline, a reason in writing and a question only a roofer can answer: what shape is this roof actually in?

You already know roofs. What helps is a clean read of both rules, so your sales team can talk about them straight and leave every insurance decision to the people licensed to make it.

## What are the cancellation notice requirements for insurance in Florida?

For a homeowner's policy, the insurer must give the first-named insured written notice of nonrenewal, cancellation or termination at least 120 days before the effective date, and the notice must state the reason, with exceptions the statute lists.

![Step-by-step guide for what a roofer says to a homeowner after a Florida homeowners insurance non renewal notice](https://yfvhnfihkflbnivhcgge.supabase.co/storage/v1/object/public/blog-images/customer-da9bba825f4376e010105504/florida-homeowners-insurance-non-renewal/figure-1.svg)

That requirement is in [section 627.4133](https://www.flsenate.gov/Laws/Statutes/2025/627.4133). For a sales team, the 120 days is the number in the letter that matters most. It is roughly four months. A homeowner who opens the notice and acts on it has time to get the roof looked at, get an estimate and make a decision before the policy date arrives. A homeowner who sets the letter on the kitchen counter for a few months has a lot less.

The reason line matters just as much. If it names the roof, the conversation is one you are qualified to have. If it names something else, it is not a roofing conversation, and the honest move is to say so and step back.

## Can an insurer refuse to renew a policy because of roof age alone?

Not when the roof is under 15 years old: [Florida law says](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html) an insurer may not refuse to issue or renew a homeowner's policy on that roof solely because of its age.

Older roofs get a different rule. 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](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html). If that inspection shows 5 or more years of useful life remaining, the insurer may not refuse to renew solely because of the roof's age.

| Roof age | What section 627.7011(5) says |
|---|---|
| Under 15 years | No refusal to issue or renew solely because of roof age |
| 15 years or older | The insurer must allow an inspection by an authorized inspector, at the homeowner's expense, before requiring replacement |
| 15 years or older, with 5 or more years of useful life remaining on that inspection | No refusal to renew solely because of roof age |

Two details decide how the rule applies. Roof age is counted from the last date 100 percent of the roof was built or replaced, and the subsection covers [policies issued or renewed on or after July 1, 2022](https://www.flsenate.gov/Laws/Statutes/2025/627.7011). So the date that matters is the last full roof.

Read the word "solely" carefully, and teach your canvassers to read it too. The rule is about age alone. Nothing in it says a roof must be replaced at 15 years, and it does not tell you what any one insurer's underwriting will do with a particular house. Those are questions for the homeowner's agent. If your team wants the sales side of roofs in the 15-to-20-year band, a separate post on the 17-year-old roof covers that window.

## Who can inspect the roof under the 15-year rule?

An authorized inspector under section 627.7011 must be approved by the insurer, and the statute's list of eligible inspectors includes a roofing contractor.

That puts a roofing company in a natural spot. If your company is approved by the homeowner's insurer, you can be the inspector the statute describes. If you are not, the homeowner needs someone who is, and your estimate can sit next to that report. Either way, have the homeowner confirm with the insurer who qualifies before anyone sets a ladder against the house. The official roof forms, and which fields a roofer fills in, are covered in a separate post on the 4-point inspection form.

Be ready for the honest result. An inspection can find 5 or more years of useful life left, which means no re-roof this season. That is still good business for a roofing company that does it right: you were the one on the roof, you wrote down what you saw, and when that roof does come due, the homeowner already has your name and your report.

## What should a roofer say to a homeowner with a non-renewal notice?

Say what the statutes say, read the reason on the notice with the homeowner, offer the inspection or estimate you are qualified to give, and send every coverage question back to the homeowner's agent or insurer.

A plain version, built on what [section 627.7011](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html) says, sounds like this: "The letter says the roof is the reason. Florida law lets you have a roof 15 years or older inspected before replacement comes up, and the inspection is at your cost. I can look at it and tell you what I see. What your policy covers is a question for your agent."

Leave out what you cannot know. Don't predict what the insurer will decide, don't suggest a carrier, and don't promise that a new roof keeps the policy. Leave the scare out too. The letter already did that part, and a homeowner who feels pushed can just as easily call the next roofer.

## How do you find homes likely to get a roof-age non-renewal?

Start with roof age: the statute counts it from the last date the whole roof was built or replaced, so a search of building permit records for the last re-roof points you to houses whose roofs have passed 15 years.

You will not know which homeowners are holding a letter. You can know which roofs are old enough that the question may come up at renewal. A house finished in 2008 with no re-roof on record crossed the 15-year line in 2023, and a subdivision built that year crossed it street by street. That is why old roofs cluster, and why working those streets beats mailing a whole ZIP.

The permit date only tells you when the roof went on. It cannot tell you how a roof a few blocks from the ocean in Neptune Beach has held up compared with one under the pines out in Baldwin. That is the inspection's job, and it is the reason to knock with an offer to look at the roof rather than a claim about anyone's insurer.

Roof Identifier does that sorting for Duval County, ranking homes by how likely the roof is due, with Territory Lock holding each ZIP for one roofing company at a time; if you want to see it on your own streets, ask for a free ZIP Roof Report for your ZIP or check whether your ZIP is still open.