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
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
Florida’s next building code takes effect on December 31, 2026. At the same time, insurers are filing rate changes and Citizens policies are moving to private carriers. For Palm Beach County homeowners, the practical question is simple: what do these changes mean for your roof, and what should you do before the end of the
Many Florida homeowners reach the same point with an older roof: “The roof is getting older. I may replace the entire roof next year. But I have an active leak right now. Can we do something temporary so water stops coming in?” That is a fair question. At Mike McGilvary Roofing, we hear this often,
Planning to Replace Your Roof Next Year? Fix the Leak the Right Way Now Read More »
Edison Insurance Company has announced an average 9.8% statewide rate decrease, but that does not mean every policy will fall by the same amount—or that roof underwriting no longer matters. Here is what Florida homeowners should know about rates, roof age, inspections, remaining useful life and the current Florida Roof Age Law.
Every roofer told Mrs. Schwartz to replace her tile roof. Mike McGilvary Roofing repaired it for a fraction of the cost, kept it insurance-compliant, and delivered a signed certification within 24 hours. Her testimonial, and the repair-first story behind it.
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.
Florida’s updated OIR-B1-1802 wind mitigation form took effect April 1, 2026. A practical, documentation-first checklist for homeowners, realtors, buyers, sellers, and insurance agents preparing for insurance renewals, home sales, refinancing, and roof certifications.
2026 Florida Wind Mitigation Checklist Read More »
