With Your Central Florida Roofer, Austin
If you’re a homeowner (or a roofer like me) in Florida, you’ve probably noticed that the roofing industry is always changing. One minute, your insurance is happy with your roof, and the next, they’re looking at it like it’s a medieval thatched hut. That’s because Florida has been rolling out new laws faster than a shingle in a hurricane. But don’t worry—I’m here to break it down in a way that won’t make your head spin (too much).
What’s the Big Deal?In 2022 and 2023, Florida lawmakers passed a series of reforms aimed at stabilizing the home insurance market. (Spoiler alert: Insurance companies were fleeing Florida faster than snowbirds when hurricane season hits.) These laws were designed to curb fraudulent claims, reduce unnecessary roof replacements, and hopefully stop your insurance rates from climbing higher than a poorly installed ladder.
So, what’s actually changed, and how does it affect you? Let’s dive in.
Roof Age and Insurance Coverage (Passed in December 2022)
Before: If your roof was over 15 years old, some insurance companies would refuse to renew your policy.
Now: Florida law says insurance companies can’t deny coverage just because your roof is under 15 years old. However, once your roof hits the 15-year mark, you’ll need an inspection to prove it still has at least five years of life left. If it passes, your insurance must continue covering you.
Translation: Your roof isn’t automatically sent to retirement at 15—it just has to prove it can still do its job.
What You Can Do: If your roof is approaching 15 years, get an inspection before your renewal period. A good roofer (hi, nice to meet you) can provide documentation that your roof is still in great shape. If the roof is nearing the end of its lifespan, consider replacing it before your insurance company forces you to.
The “No More Free Lunch” Rule for Contractors (Passed in May 2022)
Before: Some roofing contractors would knock on doors, offer a “free roof inspection,” and then—surprise!—suggest filing an insurance claim, whether you needed it or not.
Now: It’s illegal for roofers to directly solicit homeowners for insurance claims. That means no more door-to-door offers of a “free roof” or incentives to file claims.
Translation: Roofers can’t show up uninvited like a long-lost cousin at Thanksgiving, trying to get you to file a claim.
What You Can Do:If you think your roof has legitimate damage, you need to start the claim. Contractors can still help after you initiate it. Be wary of companies that promise a free roof through insurance without an inspection. (If it sounds too good to be true… it is.)
The 25% Rule and Roof Repairs (Revised in 2023, Effective December 2023)
Before: If more than 25% of your roof was damaged, Florida law required you to replace the entire roof to meet current building codes.
Now: If your home was built after 2009, you can now repair just the damaged section instead of replacing the whole roof, as long as the repaired section meets current code.
Translation: Your roof doesn’t need a full makeover if it only has a few wrinkles, just be sure to always to promptly address any damage.
What You Can Do: If you have roof damage, check when your home was built. If it’s post-2009, you might be able to repair instead of replace. If your insurance insists on full replacement when a repair will do, push back! Know your rights.
Final Thoughts: How to Maneuver These Changes Like a Pro
These laws may seem overwhelming, but here’s a quick strategy to stay ahead:
✔ Get Your Roof Inspected Regularly: A professional inspection every 1-2 years keeps you ahead of potential problems and avoids insurance headaches.
✔ Document Everything: If you ever need to file a claim, detailed documentation of your roof’s condition (photos, reports, etc.) will be your best friend.
✔ Work with a Reputable Roofer: (Hey, like me!) Avoid companies that use shady tactics or pressure you into filing unnecessary claims.
✔ Understand Your Policy: Not all insurance policies are created equal. Read the fine print so you’re not blindsided.
The Florida roofing industry is always evolving, but staying informed means you won’t get caught off guard. If you have questions or need an expert’s opinion, don’t hesitate to reach out. After all, the only thing scarier than dealing with insurance companies is trying to fix a leaky roof yourself. 😉
Stay dry, stay smart, and happy roofing!
-Austin, Your Friendly Neighborhood Roofer
Shingle & Ready: Roofing Central Florida with Austin 