Your insurer didn't explain it. Your agent may not fully understand it. A state-licensed roofer does. Here's the honest breakdown — and what your options are.
It is not a state law. It is an insurance industry underwriting standard that most Florida homeowners insurers have adopted since the 2011–2013 post-hurricane reform era.
In plain terms: if your asphalt shingle roof is 15 years old or older, most insurers won't write or renew your policy without documentation. That documentation is typically a licensed contractor's inspection — either a 4-point inspection or a 5-year roof certification.
What does that inspection show? Whether your roof has at least 3–5 years of useful life remaining. If it does, you're usually fine. If it doesn't, your insurer has the right to non-renew.
Insurance companies generally won't ask questions on roofs under 12 years old on standard asphalt shingles. Enjoy the peace of mind — but call us if you see any storm damage.
Your insurer may request a 4-point or roof condition inspection at any renewal in this window. Get ahead of it. A clean written report keeps your policy intact. We provide this free.
This is where most non-renewal letters originate. Your roof likely still has useful life remaining, but you need documentation to prove it. A certified inspection report is the only thing standing between you and a forced replacement timeline.
Most asphalt shingles are rated 25–30 years in Florida's climate. At 25+, the honest answer is usually a replacement conversation. We'll tell you exactly what we see — and we'll give you three numbers: repair cost, repair + adjacent risk, and full replacement. You decide.
"Cost to repair. Cost to repair plus the risk of adjacent damage spreading. Cost to replace. You decide. No pressure, no 'today only' pricing — we hate high-pressure sales as much as you do. Quote, walk away, follow up once. Done."
— Sal, Owner · State Certified Roofing & Construction
Real questions we hear from homeowners in The Villages, Ocala, and surrounding communities.
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