Roof Age Law & Insurance

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.

In Florida, lenders, insurers, and buyers increasingly judge a roof by its condition, remaining useful life, and documentation, not its age. Here is what each party is looking at in 2026, and how roof certifications and wind mitigation reports fit in.

Roof repairs on Florida Southern College’s Frank Lloyd Wright chapel reinforce a principle every Florida property owner should know: a roof should be judged by its condition, not its age.