Florida Roof Age Insurance Requirements: What Roofers Need to Know

If you're a roofer in Florida, you've noticed: homeowners calling not because their roof is leaking, but because their insurance company told them to replace it.

What Changed

After years of hurricane losses and fraud, Florida insurers started requiring roof replacements based on age. Many carriers now refuse to write or renew policies on roofs older than 15-20 years. For homeowners, it's replace the roof or lose insurance.

The Rules by Material

Asphalt shingle: Most insurers require replacement at 15-20 years. Tile: Generally 25-30 years. Metal: 30-40+ years. Flat/built-up: 15-20 years.

Why This Matters for Roofers

These homeowners are under pressure to act. When insurance is on the line, the sales cycle shortens dramatically. These aren't "maybe next year" prospects — they need a roof now.

How to Find These Homeowners

Homeowners facing insurance-driven replacements are exactly who Lead-Spy identifies: homes with aging roofs and no recent replacement permit. A postcard saying "Is your insurance company asking about your roof? We can help" directly addresses their pain point.

Positioning Your Company

Emphasize: Insurance claim experience. Free inspections. Financing options. Speed — insurers often give 30-90 day deadlines.

Get Ahead

Scan your service area to find homes with aging roofs facing insurance pressure.