Storm Damaged Your Roof? Here's What Florida Law Says About Your Claim

Under Florida Statute 627.7011, your insurer cannot deny coverage or refuse to renew your policy solely because your roof is under 15 years old.

If your roof has already passed the 15-year mark, you can still keep coverage by submitting an inspection showing at least 5 more years of useful life remaining — it isn't automatic, but it's a right you can exercise.

Insurers commonly send non-renewal notices around the 15-year mark for shingle roofs, with a legally required 120-day advance notice — if you got one of these, there's still time to act.