Florida Insurance Companies Now Require Roof Replacements at 15 Years, Impacting Homeowners
Insurance companies in Florida have adjusted their policies to require roof replacements when roofs reach 15 years of age, rather than the previous standard of 20 years. This change primarily affects asphalt or composition shingle roofs, which are considered more vulnerable to Florida's harsh weather conditions. Metal roofs, however, are viewed more favorably and can be insured for up to 40 years. The shift has led to increased costs for homeowners, who are now pressured to replace their roofs sooner to maintain insurance coverage and avoid higher premiums. Homeowners like Kelly Hagen from Vero Beach are experiencing difficulties in finding affordable insurance due to the age of their roofs. Despite these challenges, state leaders and insurance experts suggest that the market for homeowners insurance is improving as new companies enter the state and rates begin to decline. 
