Under Florida's 2025 insurance reform law, insurers can void policies for roofs over 15 years old that lack certification, even if damage is partial, creating new challenges for homeowners and restoration contractors in the state.
The provision, which took effect in 2025 and continues to shape the 2026 insurance landscape, has significant implications for homeowners with older roofs who may find themselves without coverage when they need it most.
For restoration contractors, the roof age provision creates both challenges and opportunities. Contractors who offer roof inspection and certification services are in demand from homeowners seeking to maintain their insurance coverage. However, contractors who perform restoration work on older roofs may encounter coverage disputes.
The Florida insurance reform legislation has been controversial, with consumer advocates arguing that it leaves homeowners vulnerable while insurers argue that it is necessary to address the unsustainable cost of claims in the state.
Restoration professionals operating in Florida are advised to be familiar with the roof age provisions and to advise their clients about the potential insurance implications of roof condition and age.
