Can my Florida insurer drop me because of my roof's age?
Updated September 28, 2026· Sources verified September 26, 2026· Educational information, not legal advice
Short answer
Not solely because of age if your roof is less than 15 years old. If it is 15 years or older, you can have it inspected by an authorized inspector at your own expense, and the insurer may not refuse to renew solely because of age if the inspection shows at least 5 years of remaining useful life. Insurers can still act on the roof's actual condition.
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Florida rule · Roof age
Florida's published rule says an insurer may not refuse to renew a homeowners policy solely because of roof age if the roof is less than 15 years old. For roofs 15 years or older, the homeowner may have the roof inspected by an authorized inspector at their own expense, and the insurer may not refuse to renew solely because of age if that inspection shows at least 5 years of useful life remaining.
Age versus condition
If your roof is 15 years or older
Find the roof's real age
Permit records and the installation invoice are the strongest proof.Get an inspection from an authorized inspector
At your expense. Ask for a written estimate of remaining useful life and dated photos.Send the report to your insurer
Ask in writing whether it will renew given the remaining useful life shown.Shop at the same time
Many insurers have their own roof guidelines. Citizens is the last-resort option.
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Notice rules still apply
Florida rule · Notice of non-renewal
Florida's published rule requires written notice of non-renewal at least 120 days before it takes effect, and the notice must include the reason. Shorter periods apply in a few listed situations, such as a plan approved by the Office of Insurance Regulation (45 days) or a policy that covers both a home and a vehicle (90 days).
Official sources
Rules can change. Check the official source before relying on it.
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MyNonRenewal provides educational information and document summaries. It does not provide legal advice, insurance advice, representation, or recommendations regarding specific insurance products.