At 15 years, Florida law allows your insurer to inspect your roof — and drop your policy if they don't like what they see. A free inspection from a licensed contractor can save your coverage before the letter arrives.
🔍 GET MY FREE ROOF SCAN NOWUnder Florida Statute 627.7011, once your roof hits 15 years old, your insurance company can require a roof inspection. If an inspector determines your roof has less than 5 years of useful life remaining, they can non-renew your policy. In Ocala and The Villages, this is happening to neighbors every single week.
Florida has one of the most aggressive insurance markets in the country — and your roof is at the center of it. Here's how it works:
The catch? The insurance company sends their own inspector. Their job is to find reasons to drop you or raise your rate. Getting your own inspection from a licensed roofing contractor first means you know exactly what they'll find — and you can fix it before the letter arrives.
A 5-year roof certification is a written assessment from a licensed roofing contractor stating that your roof has at least 5 years of serviceable life remaining. In Florida, this document legally protects your insurance coverage. Many homeowners in Ocala, The Villages, and Belleview use this to keep their current policy without replacing a roof that still has years of life left.
We inspect, document, and provide the written certification — at no charge for the inspection. If repairs are needed to pass, we tell you exactly what they are and what they cost. No surprises.
A 4-point inspection covers four systems: roof, electrical, plumbing, and HVAC. Insurance companies require this for homes 15+ years old when you're shopping for a new policy or switching carriers. The roof section is almost always the deciding factor. We provide the documentation your insurance agent needs — properly prepared and signed by a licensed contractor.
Florida's insurer of last resort, Citizens Insurance, actively inspects roofs 15+ years old. A passing certification keeps you covered — no replacement required.
That puts thousands of Marion County and Villages homes squarely in the 20–40 year roof range. The 15-year clock has already passed for most.
Marion County property records show permit history. We can help you find your exact installation date — often homeowners don't even know.
A roof that passes the 5-year test means no replacement needed today. A failing roof triggers forced replacement — but our financing programs can help cover the cost — see financing options.
Fill out the quick form at StateCertifiedRoofing.com. Takes 60 seconds. We call within the hour during business hours.
Full hands-on inspection — shingles, flashing, ridge, valleys, gutters, fascia. Every issue photographed and documented. No shortcuts.
Professional damage/condition report in your hands. If your roof passes, you get the 5-year certification letter your insurance company needs.
We show you exactly what needs to be fixed and what it costs. Small repairs can restore a roof to certifiable condition. If replacement is needed, financing is available — see our financing page for options.
🎖️ Sarge's straight talk: "I've been on roofs in 15 states and two territories. I can tell in 10 minutes whether a roof has life left or not. Most people don't need a new roof — they need an honest inspection from someone who isn't trying to sell them one. Come see us first."
Once Citizens or another carrier sends an inspection notice, you're already on a clock. Getting your own inspection first means you control the narrative. Fix what needs fixing before their inspector shows up — and hand them a certification report on arrival. That's how you keep your coverage.
If your roof needs repairs or full replacement to meet the 5-year certification standard, you have options — including low or no upfront cost:
Stack all three and your roof replacement may cost you very little out of pocket. Sal qualifies you personally — no guesswork, no runaround.
Get a free inspection today. Know where you stand. Keep your coverage — or get a path to a new roof with covered through financing, grants, or PACE.
🔍 GET SARGE NOW — IT'S FREE 📞 CALL SARGE — 352-696-8989📍 PROUDLY SERVING CENTRAL FLORIDA
Sal "Sarge" Ybarra will personally review your property and call you within 1 business hour. No pressure. No obligation.