Florida’s Roof Age Law and HOAs in 2026
7011 limits when an insurer can deny or non-renew a policy based solely on a roof’s age — and that protection applies to HOA-governed communities and condo…
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Tile Roof Leaks in Delray Beach: What Five Inspection Reports Found
Across five Delray Beach tile roofs we inspected and documented between September 2023 and August 2026, none of the written plans called for a new roof.
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Palm Beach County SHIP Roof Repair Assistance: Who Qualifies, the Dates, and What to Have Ready
Palm Beach County is taking applications until Friday, November 27, 2026 at 11:59 PM for $4 million in SHIP home-repair funds that can provide up to $100,000 per eligible owner-occupied home, with roofing on the list of covered work.
Why I Wrote About Florida’s Roof Age Law for Treasure Coast Homeowners
By Mike McGilvary, Florida Certified Roofing Contractor (CCC1331721) | Mike McGilvary Roofing, Inc. Quick answer: On November 3, 2026, Treasure Coast Today published my article on Florida’s roof age law, Florida Statute 627.7011. If your roof is 15 years or older, your insurer “must allow a homeowner to have a roof inspection performed by an
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As Hurricane Season Ends: The Roof-Age Documentation Checklist Every Palm Beach County Owner Should Complete Under Florida’s 627.7011
By Mike McGilvary, Florida Certified Roofing Contractor (CCC1331721) | Mike McGilvary Roofing, Inc. Quick answer: The Atlantic hurricane season officially ends November 30. That makes November the right month to inspect your roof, repair what the season exposed, and put your roof record in order before renewal season and Citizens policy transfers. Under Florida Statute
Will a New Roof Lower My Insurance Premium in Florida? What Changes, What Doesn’t, and How to Get the Credit
By Mike McGilvary, Mike McGilvary Roofing, Inc. Tear-off down to the wood roof deck, with new underlayment going on section by section. The deck is only exposed during a reroof, which is the one chance to document how it is fastened. In this article The short answer Two different ways your roof affects your premium
2-Year vs. 5-Year Roof Certification in Florida: What Each One Means, Who Asks for It, and What Keeps a Roof From Certifying
By Mike McGilvary, Mike McGilvary Roofing, Inc. Quick answer: A 5-year roof certification documents an inspector’s finding that a roof has five or more years of remaining useful life. Five years is the number Florida’s roof-age law (Florida Statute 627.7011) uses for roofs 15 years or older. It is also the minimum Citizens Property Insurance
Every Inch, Documented: Why MMR Is the Most Documented Roofing Company in South Florida
By Mike McGilvary, Mike McGilvary Roofing, Inc. Most roofing companies tell you what they found. We show you. At Mike McGilvary Roofing, documentation is not paperwork we do at the end of a job. It is how we do the job. Every inspection, every deficiency and every repair is photographed, dated and recorded. When we
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Florida Roof Insurance, Roof Age and Condo Roof Planning in 2026: What Palm Beach County Owners Need to Know
By Mike McGilvary, Florida Certified Roofing Contractor (CCC1331721) | Mike McGilvary Roofing, Inc. Quick answer: Florida’s 15-year roof-age law has not changed. The six roofing code corrections approved on October 13, 2026 are technical cleanups, not a new requirement to replace tile roofs. What has changed is the paperwork: Citizens policies are moving to private