Roof condition
Covering, age and remaining useful life, often for renewal.
INSURANCE GUIDE · FLORIDA HOMEOWNERS
Roof age, inspections and home insurance in Florida.
A renewal letter asking about your roof can be stressful. Florida law sets some limits on how insurers use roof age, and the right inspection at the right time can make the conversation easier.
THE SHORT VERSION
Key points
- Insurers cannot refuse to write or renew a homeowners policy based only on roof age if the roof is less than 15 years old.
- For roofs 15 years or older, an inspection showing at least five years of remaining useful life matters.
- A 4-point inspection covers roof, electrical, plumbing and HVAC; wind mitigation records wind-resistance features.
- Each insurer, including Citizens, sets its own forms and documentation requirements.
WHAT THE LAW SAYS
Section 627.7011 and the 15-year line.
Under section 627.7011 of the Florida Statutes, an insurer may not refuse to issue or renew a homeowners policy solely because of the roof's age if the roof is less than 15 years old. For a roof that is 15 years or older, the insurer must allow the homeowner to have the roof inspected by an authorized inspector, at the homeowner's expense, before requiring replacement, and it may not refuse coverage solely because of age if the inspection shows the roof has at least five years of remaining useful life.
The law does not stop insurers from considering roof condition, and it does not fix premiums. Insurers, including Citizens Property Insurance, publish their own eligibility rules and inspection forms, so always ask your agent which document and signer they accept.
THE INSPECTIONS
Roof condition, 4-point and wind mitigation reports.
A roof condition inspection or certification focuses on the covering, its age and its remaining useful life. A 4-point inspection is a broader insurance report covering the roof, electrical, plumbing and HVAC systems, often requested for older homes. A wind mitigation inspection uses the state form OIR-B1-1802 to record the building code era, roof covering, roof deck attachment, roof-to-wall attachment, roof geometry, secondary water resistance and opening protection.
Florida requires insurers to offer premium discounts for qualifying windstorm loss-reduction features, which is why the wind mitigation form matters. A hip roof shape, strong deck attachment, roof-to-wall clips or straps and secondary water resistance can all affect the wind portion of the premium.
4-point
Roof, electrical, plumbing and HVAC summary for the insurer.
Wind mitigation
Form OIR-B1-1802 features that can affect windstorm credits.
PREPARING AN OLDER ROOF
Fix what matters before the report is written.
If renewal is coming and the roof is older, schedule a roof inspection in Miami early. Missing or cracked tiles, lifted shingles, deteriorated flashing or active leaks can lead to a poor condition rating; many of those items are repairable before an insurance inspector visits. See roof repair in Miami and tile roof repair.
If the roof is near the end of its life, a replacement may be the better decision, and a new roof installed to current code can improve several wind mitigation features at once. Compare costs with our roof replacement cost guide.
A CLEAR LINE
What DOM does and does not do with insurance.
DOM inspects roofs, documents their condition and scopes repairs or replacement. DOM does not interpret insurance policies, adjust or negotiate claims, or offer anything of value in exchange for an inspection or a claim. For coverage questions, talk to your insurer or agent.
SOURCES AND LIMITS
Where this information comes from
- Section 627.7011, Florida Statutes
- Florida Office of Insurance Regulation
- Citizens Property Insurance Corporation
This guide is general information for South Florida property owners, not legal, insurance or engineering advice. Rules change; confirm current requirements with the building department, your insurer or a licensed professional for your property.
QUESTIONS WORTH ASKING
Roof Age and Home Insurance in Florida: 2026 Guide: Questions
Clear answers make it easier to choose the right next step for your property.
01Can my insurer drop me because my roof is 10 years old?
Not solely because of age. Florida law prohibits refusing to issue or renew a homeowners policy based only on roof age for roofs less than 15 years old.
02My roof is over 15 years old. What can I do?
Florida law lets you have the roof inspected before an insurer requires replacement. An inspection showing at least five years of remaining useful life matters to that decision.
03What is form OIR-B1-1802?
It is Florida's uniform wind mitigation inspection form, which records features such as roof covering, deck attachment, roof-to-wall connections, roof shape and secondary water resistance.
04Is a 4-point inspection the same as a roof inspection?
No. A 4-point covers the roof, electrical, plumbing and HVAC for insurance purposes; a roof inspection focuses on roof condition and needed work.
05Does DOM work with my insurance company?
DOM does not interpret policies or handle claims. It inspects the roof and provides a scope and estimate; talk to your insurer or agent about coverage.
KEEP READING
More Miami roofing guides.
ROOFING GUIDE
Roof Replacement Cost in Miami: 2026 Guide
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ROOFING GUIDEMiami-Dade Roof Permits, NOA and HVHZ Explained
What a permit covers, what an NOA is and why the High-Velocity Hurricane Zone changes the job.
ROOFING GUIDEFlorida 25 Percent Roof Rule: What Changed in 2022
When a partial repair must meet current code, the 2022 exception and the "25-year roof" confusion.
TURN THE GUIDE INTO A PLAN
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