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 »
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.
Can Your Roof Stop a Mortgage Approval in Florida? Read More »
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.
What the Frank Lloyd Wright Chapel Repairs Prove About Florida Roof Preservation Read More »
Across Florida, homeowners are increasingly hearing one phrase regarding their roof: “Your roof is too old.” However, age alone does not always tell the full story of a roofing system. Concrete tile roofing systems are complex assemblies designed to shed water across multiple elevations, transitions, valleys, penetrations, flashings, and drainage points. Over time, these systems
Florida Tile Roof Preservation & Roof Certifications | Mike McGilvary Roofing Read More »
Boca Raton’s 2026 Roof Insurance Rules Explained Florida’s property insurance crisis has intensified in 2026, with new enforcement of existing roof age laws …
Boca Raton’s 2026 Roof Insurance Rules Explained Read More »
