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.
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
Why I Wrote About Florida’s Roof Age Law for Treasure Coast Homeowners Read More »
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
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
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.
