Florida acts to reduce cost of roof repairs and replacement

The Florida legislature just passed new insurance legislation, with significant provisions focused on roofs addressing roof age, repair vs. replacement, roofer fraud, and renewal of the My Safe Florida Home Program.

Age of Roof

Insurers cannot refuse to insure your property if the roof is less than 15 years old. They can initially deny insurance if your roof is older than 15 years.

You can appeal by providing an inspection report which demonstrates the roof has five or more years of remaining useful life.

Florida acts to reduce cost of roof repairs and replacement

Roof repairs

The old rules were murky on roof replacement vs. repair. Under the revised regulations, more roofs will be eligible for repair vs. replacement!!!

When 25 percent or more of a roofing system or roof section is being repaired, replaced, or recovered:

ONLY the portion of the roofing system or roof section undergoing such work must meet the latest Florida building code.


Contractor Solicitation of Roof Claims

Contractors must be straightforward in all communications with customers that:

The consumer is responsible for the payment of any deductible.

Contractors who break the rules commit a third-degree felony if they

  • pay or waive an insurance deductible
  • intentionally file an insurance claim containing false, fraudulent, or misleading information.

My Safe Florida Home Program

Great news for qualifying homeowners in the wind-borne debris region!

Appropriates $150 million from the General Revenue Fund to the Department of Financial Services’ My Safe Florida Home Program to provide hurricane mitigation inspections and matching grants for the performance of hurricane retrofitting on homestead single family homes with a value of $500,000 or less located in the Florida wind-borne debris region.  

2024 Update

A fresh round of program funding is moving through the Florida legislature. The Senate just approved $100M. The House takes up the bill next and when they approve the bill will go to DeSantis for signature.

wind borne debris region

How do I get flood insurance?

Give Term Brokers a call at 850-684-2000. Or visit our Flood page to submit a quote request. Our experts will review the options with you to ensure peace of mind.

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