July 21, 2026

A comprehensive, documented roof inspection is the physical evidence behind an informed decision. When a Florida homeowner files a roof-related insurance claim — or an insurer questions a roof at renewal — several factors get discussed at once: the roof’s age, its actual condition, whether replacement components can “match,” and how depreciation is applied. It […]

Two different Florida rules get confused: the roof-age insurance law (§627.7011) and the Building Code 25% repair rule. A plain-English decision guide for homeowners and Realtors on which applies, and why condition and documentation matter more than roof age.