For years, roof age alone could get a Florida homeowner non-renewed. A new law, HB 815, changes that as of July 1, 2026.
What HB 815 does
It prohibits insurers from refusing to issue or renew a residential property policy solely because of the age of the roof without first considering the roof's actual condition. In practice, an inspection showing your roof has useful life left protects you from an age-only non-renewal.
What it means for you
If your roof is older but sound, a carrier can no longer drop you just for the number on the calendar. It shifts the conversation from age to condition — and a current roof inspection becomes your best evidence. Pair it with a wind mit inspection to keep your options open.
What it does NOT do
It doesn't force a carrier to insure a roof in genuinely poor condition, and it doesn't change replacement-cost vs. actual-cash-value terms. A worn-out roof can still be declined on condition — see how roof age affects your coverage.
Bottom line
If you were dropped for roof age in the last couple of years, the ground has shifted — it's worth re-shopping the market now.
Frequently asked questions
When does HB 815 take effect?
July 1, 2026, for residential property policies issued or renewed on or after that date.
Can I still be non-renewed because of my roof?
Only based on the roof's actual condition, not its age alone. A sound older roof can't be dropped for age by itself.
Do I need a roof inspection?
It's your strongest evidence. An inspection documenting remaining useful life is what keeps an older-but-sound roof insurable.
Dropped over your roof's age?
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