Insuring a 15-Year-Old Roof in Florida: What to Know
Yes, you can insure a 15-year-old roof in Florida, but it depends on its condition, your insurer’s policies, and whether you pass a professional inspection. After 15 years, your roof becomes a higher insurance risk, and coverage rules often change. Insuring a 15-Year-Old Roof in Florida: What to Know If your Florida roof is turning […]
2025 Roof Law in Florida: Key Changes & What to Do Now
Florida’s 2025 roofing law allows insurers to drop coverage if your roof is 15 years or older, even if it’s in perfect condition. New code rules also require full replacements for partial damage and prioritize metal roofs in high-risk zones. What Changed in 2025 (and Why It Matters Now) Florida’s 2025 roofing overhaul reshaped what […]
Florida Hurricane Roof Codes: What Homeowners Need to Know
Florida hurricane roof codes set the minimum legal standard for wind and water protection, but they aren’t enough to guarantee your roof survives a major storm. What Florida’s Roofing Code Really Requires (And Why It Matters) Florida’s building code was overhauled after Hurricane Andrew to keep roofs from flying off in storms. While it sets […]
Florida Roof Sheathing Code: What To Know Before Reroofing
Roof sheathing in Florida must be at least 15/32″ thick, made from code-approved materials like plywood or OSB, rated Exposure 1 or better, and fastened with specific nail patterns to meet the Florida Building Code. Florida Roof Sheathing: What You Must Get Right First Florida’s weather punishes weak roofs. Roof sheathing sits between your trusses […]
What to Do If Your Insurance Roof Inspector Is Wrong | Florida Roofing Guide
Insurance roof inspectors often flag functional roofs for replacement due to surface wear, age, or checklist-based assumptions, not actual damage. What to Do When an Insurance Roof Inspection Feels Wrong When an insurance inspector says your roof is failing, but there are no leaks, damage, or issues, it’s more than frustrating. In Florida, cosmetic wear […]
Florida Roof Statute 2025: Key Rules & Compliance Guide
Florida roof statutes set strict rules for replacements, requiring compliance with age limits, damage thresholds, and building codes to maintain insurance coverage and meet state safety standards. Florida Roof Statute 2025: What You Must Know Florida’s roof statutes directly affect insurance eligibility, replacement costs, and storm preparedness. Key rules include: These statutes reduce storm losses, […]
Florida Roof R-Value Code 2026: What Homeowners Must Know
The Florida roof R-value code requires R-30 attic insulation in South Florida (Zone 1) and R-38 in Central and North Florida (Zone 2). These minimums come from the 2023 Florida Building Code and remain enforceable in 2026. They apply to new homes, additions, and reroofing or attic work that falls under the Energy Conservation volume […]