My insurance company dropped me because of my roof
Updated September 28, 2026· Sources verified September 28, 2026· Educational information, not legal advice
Short answer
In most states, insurers can decline to renew because of roof age or condition — but some states limit it. Florida does not allow a non-renewal based solely on the age of a roof under 15 years old, and Texas regulators have said they plan to propose a rule on roof age. Whatever the state, records are often out of date, so documents showing the roof's real age and condition matter.
Have your notice? Check it freeHow insurers judge a roof
- Age. Many insurers have age limits that vary by material (shingle, tile, metal). The age on file may come from permits, old applications or estimates.
- Inspections and aerial images. Insurers increasingly use aerial or satellite photos, sometimes analyzed automatically, plus drive-by or in-person inspections.
- Visible condition. Missing or curling shingles, staining, patches, debris or moss.
Where state rules limit roof-based non-renewals
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.
Texas: a rule is planned, not adopted
Most other states do not have a roof-specific rule, but general notice and reason requirements still apply.
Documents that help
- The invoice or contract for the roof, showing date and materials
- Building permit and final inspection record (from your city or county)
- Manufacturer or contractor warranty
- An inspection report from a licensed roofer, with dated photos
- Receipts for repairs made since the insurer's inspection
What to do next
Ask for the inspection report and photos
Including the date the images were taken.Compare the roof age on file with your records
Permits and invoices are the strongest proof.Get an independent inspection if the condition was misjudged or fixed
Ask the inspector for dated photos.Ask whether the insurer will reconsider after repair or replacement
And by when. See how to ask for reconsideration.Shop for replacement coverage at the same time
So there is no gap if the decision stands.
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Official sources
Rules can change. Check the official source before relying on it.
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