Does Your Insurance Company Have to Cover Your Roof? Find Out in 60 Seconds
Has your insurance company told you they won't renew your policy because of your roof's age? Or maybe they're demanding you replace a perfectly good roof just to keep your coverage?
If so, you're not alone. For years, Florida homeowners have dealt with insurance companies using roof age as an excuse to drop coverage or jack up premiums. But that's changing.
Florida Fought Back—And Won
Starting July 1, 2026, a new Florida law called HB 815 gives homeowners real protection against these unfair practices. Here's what it means for you in plain English:
If your roof is less than 15 years old, insurance companies cannot refuse to cover you or cancel your policy just because of your roof's age. Period.
If your roof is 15 years or older, you now have the right to get an inspection before your insurance company can force you to replace it. And here's the important part—if an inspector says your roof still has at least 5 years of good life left, your insurer must keep covering you.
The law also recognizes that not all roofs are the same. It treats steep roofs (like most shingle roofs) differently from flat or low-slope roofs. This matters because different roof types age differently.
Why This Matters for Your Wallet
A new roof in Florida can cost anywhere from $10,000 to $30,000 or more. Before HB 815, insurance companies could essentially force you into this expense even when your roof was still doing its job just fine.
Now, you have options. You have rights. And you have proof that the law is on your side.
Check Your Roof Rights in Under a Minute
We built a simple tool to help you figure out where you stand. Our Roof Rights Checker asks you a few quick questions about your roof and tells you:
- Whether you're protected under the new HB 815 law
- What rights you have if your insurer tries to drop you
- What steps to take next if you think you're being treated unfairly
It takes less than 60 seconds, and it's completely free.
What If Your Insurance Company Already Dropped You?
If your insurer recently non-renewed your policy or denied coverage based on roof age, you may have options—especially if your policy renews on or after July 1, 2026.
A public adjuster can review your situation, explain your rights under the new law, and help you fight back if needed.
The Bottom Line
Florida lawmakers passed HB 815 because too many homeowners were being squeezed by insurance companies over their roofs. The new law doesn't mean anything goes, but it does mean you deserve a fair shake.
Your roof protects your home. Now the law protects your roof.
NeJame Claims Adjusting is a licensed Florida public adjusting firm. We help homeowners get fair treatment from their insurance companies. If you have questions about your roof or your insurance claim, contact us for a free consultation.
