For years, many Florida homeowners faced the unofficial yet widely used “15-Year Roof Rule.” Insurance carriers often refused to renew policies for homes with asphalt shingle roofs older than 15 years—even when the roof was still performing well. As of 2025 , that is no longer allowed. Florida’s updated insurance law, Senate Bill 2-A (SB-2A) , prevents insurers from dropping your policy based solely on roof age , as long as you can provide a professional inspection confirming the roof has at least 5 years of useful life remaining . This shift from an arbitrary age requirement to a condition-based standard gives homeowners more control and more protection. Below is the CMS-friendly version of your optimized blog. From the 15-Year Rule to the 5-Year Useful Life Standard The old 15-year guideline created unnecessary stress for homeowners. SB-2A replaces that outdated approach with a much more accurate system. Key Points You Need to Know Insurers cannot deny or refuse to renew a policy solely because the roof is over 15 years old. You may provide a licensed roof inspection report verifying your roof’s condition. The inspector must confirm that your roof has at least five years of remaining useful life. If the report confirms this, roof age cannot be used as the reason for non-renewal. This means the true condition of your roof, not its age , determines your insurance eligibility. Insurance Eligibility vs. the 25% Florida Building Code Rule Two separate rules influence how roofing and insurance work in Florida. They are often confused but operate independently. 1. SB-2A (Insurance Eligibility) This governs whether an insurer can deny, renew, or drop your policy . It is based on roof condition , not age. 2. The 25% Rule in the Florida Building Code This governs roof repair requirements after damage. If more than 25% of a roof section is damaged during a 12-month period, that section must be replaced to meet current Florida Building Code standards. In summary: SB-2A affects your insurance policy. The 25% rule affects your roof repair process. How Insurers Evaluate Different Roof Types in Florida While the 15-year discussion mainly affects shingle roofs, insurance carriers evaluate all roof types based on age, condition, and risk. Asphalt Shingle Roofs This is the material most tied to SB-2A. During a Crest Roofing inspection, we evaluate: Granule loss Flexibility and brittleness Curling edges Cracked shingles Soft decking Failing seals and adhesives These factors determine whether the roof meets the 5-year remaining life requirement. Tile Roofs (Clay or Concrete) Tile roofs typically last 30–50+ years , but insurers still expect proof of condition. During tile inspections, we check for: Slipped or cracked tiles Underlayment deterioration Flashing failure Water intrusion beneath tiles Even if the tiles look great, the underlayment alone can cause a roof to fail inspection . Metal Roofs Metal roofing is popular for its superior wind resistance and longevity. We evaluate: Corrosion (especially near coastlines) Loose fasteners Panel uplift or separation Ridge cap integrity Underlayment health How Often Should You Inspect Your Roof in Florida? Because insurance decisions now depend on condition, proactive inspections are essential. Inspection Frequency Recommendations Asphalt Shingle Roofs: Every 2 to 3 years under normal conditions Annually once the roof is 10+ years old Immediately after any major hurricane, windstorm, or hail event Tile Roofs: Every 3 to 5 years Additional inspections if tiles slip, crack, or if you notice water staining inside Metal Roofs: Every 3 to 5 years More frequently if you live within a few miles of the coast due to salt corrosion Regular inspections help ensure policy renewals and reveal issues before they become expensive repairs. How to Protect Your Insurance Coverage Under SB-2A If your roof is aging or you received an insurance notice, follow these steps: 1. Be Proactive If your shingle roof is over 12 years old, schedule an inspection now—don’t wait for a non-renewal letter. 2. Get a Certified Roof Inspection This is the most important step. A Crest Roofing certified inspection provides: Photographic evidence Detailed condition reporting Remaining useful life estimate Documentation accepted by insurers 3. Keep All Documentation Maintain a file with: Inspection reports Repair invoices Warranty info Maintenance receipts Insurers favor homeowners who stay organized. 4. Communicate With Your Insurance Agent Provide reports promptly and proactively to strengthen your renewal case. What Happens If You Need a New Roof? If inspection results show your roof does not meet the “5-year useful life” threshold, replacement may be the only path to maintain your policy. Here’s what to expect with Crest Roofing: 1. Transparent Consultation & Estimate We explain roofing material options—shingle, tile, metal—and which best supports both your home and your insurance outlook. 2. Permitting & Preparation We handle: City permits HOA approvals Material delivery Property protection 3. Florida-Code-Compliant Roof Installation Your new roof will comply with the most recent Florida Building Code standards, including those for high-velocity hurricane zones. 4. Final Cleanup & Inspection We ensure your home is spotless and the installation passes all final inspections. Protect Your Home and Your Policy with a Crest Roofing Inspection SB-2A gives Florida homeowners more control than ever. Your roof’s condition—not its age —is now what determines insurability. Don’t guess—get the documentation you need to renew confidently. Crest Roofing provides: Certified roof condition reports Insurance-compatible documentation Honest, expert assessments Clear recommendations for repair or replacement Contact Crest Roofing today to schedule your certified roof inspection.

Florida roofs need twice-yearly inspections plus post-storm checks. Learn how often, why it matters, costs, and hurricane-season prep from licensed experts.

Discover the best roofing materials for South Florida homes. Compare tile, metal, and shingles for durability, hurricane resistance, and energy efficiency.

Learn Florida’s strict roofing underlayment requirements, why code compliance matters for insurance, and how Crest Roofing keeps your home protected.

Discover the differences between tile and shingle roofing, and learn how expert roofing contractors can help you choose the best material for your home.

Are you in need of roofing contractors for replacements or repairs? Here is why you should leave roofing services to the professonals. Read more!

When it comes to roofing in Florida, longevity matters, between the scorching sun, heavy rains, and hurricane-force winds , your roof takes a beating year after year. One of the most common questions we get at Crest Roofing is: “How long will my roof last in Florida?” The truth is that your roof’s lifespan depends heavily on the material you choose and the extreme climate it must endure. Below is a Florida-specific, real-world breakdown of tile, shingle, and metal roof lifespans—not the unrealistic national averages or manufacturer marketing claims. Why Roof Lifespan in Florida Is Different Florida’s climate accelerates aging faster than almost anywhere else in the country. The combination of: intense UV exposure high humidity salt air near the coast tropical storms and hurricanes creates a harsh environment that shortens most roofing materials’ lifespans. This is why Florida homeowners should rely on realistic, climate-based expectations , not generic national charts. To better understand why Florida roofs deteriorate differently, you can review the Florida Building Code requirements , which outline strict material and installation standards for our state’s High-Velocity Hurricane Zones. Tile Roofs: Built for Beauty and Longevity Realistic Florida Lifespan: 30–50 years with proper maintenance Tile roofs—especially concrete and clay—are known for their exceptional durability. They handle heat, salt exposure, and high winds better than most roofing systems, making them a favorite for coastal and Mediterranean-style homes. Pros Fire-resistant and energy-efficient Withstand hurricanes better than shingles High curb appeal with long-term value Cons Heavier material may require structural reinforcement Individual tiles can crack if walked on or struck by debris Higher upfront cost (but long-term lifespan offsets it) Tile roofs are resilient, but much of their longevity depends on the underlayment , which often needs replacement before the tiles do. This is where routine inspections—performed by a licensed Florida roofing contractor—are crucial. For hurricane vulnerability information, homeowners can reference FEMA wind damage guidance . Asphalt Shingle Roofs: Popular, Affordable, and Practical Realistic Florida Lifespan: 15–20 years (architectural shingles last longer) Asphalt shingles are the most widely used roofing material in the U.S., including Florida. Their affordability and versatility make them a practical choice, but they are more susceptible to heat, wind uplift, and algae growth—common issues in the Sunshine State. Pros Lower upfront cost Easy to install and repair Wide variety of colors and architectural styles Cons More vulnerable to UV breakdown and wind damage Requires regular maintenance Often needs replacement more than once over a home's lifespan If you want to maximize the life of a Florida shingle roof, annual inspections are essential. For industry quality guidelines, see the NRCA roof inspection best practices ( https://www.nrca.net/ ). Metal Roofs: The Storm-Resistant Powerhouse Realistic Florida Lifespan: 40–70 years depending on metal type Metal roofs are increasingly popular among Florida homeowners due to their outstanding wind resistance and minimal maintenance needs. Many metal systems can withstand wind gusts well above 140 mph—ideal for hurricane-prone regions. Pros Exceptional wind resistance Reflective coating reduces cooling costs Resistant to mold, mildew, and pests Environmentally friendly and recyclable Cons Higher upfront investment Can be noisier during heavy rain (easy to mitigate with insulation) Must be installed correctly to avoid corrosion or leaks Metal performs extremely well in Florida’s climate, especially in inland areas. Coastal installations require materials with proper corrosion ratings and protective coatings. So, Which Roof Lasts the Longest in Florida? Here’s the straightforward, CMS-friendly breakdown: Tile: 30–50 years Ideal for homeowners seeking durability, aesthetics, and long-term investment. Shingle: 15–20 years Best for budget-conscious homeowners or those who may relocate within a decade or two. Metal: 40–70 years The top choice for long-term durability and hurricane resilience. However, the “best” roof is not just the one that lasts the longest—it’s the one that best fits your home, budget, location, and long-term plans. Extend Your Roof’s Lifespan with Proper Maintenance No matter what material your roof is made of, routine maintenance is the key to reaching—or exceeding—its expected life. At Crest Roofing, we recommend: Annual roof inspections Immediate repair of cracked tiles, lifted shingles, or loose metal fasteners Keeping gutters and valleys clear of debris Addressing algae or moss early to prevent deterioration If you live in a coastal region, regular inspections become even more important due to salt exposure. For guidance on storm preparation, the NOAA hurricane preparedness resources ( https://www.noaa.gov/hurricane-prep ) are helpful tools for homeowners. To schedule professional help, use this internal link right in the text: schedule a certified roof inspection → your inspection page URL Need Help Choosing the Right Roof for Your Florida Home? Crest Roofing has installed hundreds of tile, shingle, and metal roofs throughout Florida, and we understand the unique demands of our climate. Whether you’re choosing materials for a new build or replacing an aging roof, our experts will walk you through the best options for your home and budget. Contact Crest Roofing today to schedule a roofing consultation or inspection. Your roof is your first line of defense—let’s make sure it’s built to last.

If you’re preparing to sell your home in South Florida, one question can cause a lot of stress: Should I replace my roof before listing my house? Buyers today want move-in-ready homes, and in Florida—where unpredictable storms, heavy rain, and harsh sunlight are part of everyday life—your roof plays a major role in whether a sale closes smoothly or turns into a negotiation headache. Whether you’ve been Googling “how much does a new roof cost in Florida?”, considering a metal upgrade, or wondering if a repair is enough, this guide breaks down everything you need to know to make a smart, confident decision. Roof Repair vs. Replacement: What Makes the Most Sense When Selling? If your roof is only a few years old, repairing a minor leak or replacing a couple of shingles might be all you need. But if your roof is 15 to 25 years old , repairs can pile up—and buyers, inspectors, and appraisers notice patchwork quickly. A newer roof provides immediate benefits: Buyers see it as proof your home has been well maintained. Inspections and negotiations go smoother. You reduce the chances of unexpected repair requests during escrow. Your home photographs better and attracts more interest online. If your roof is aging and showing visible wear, a new roof can prevent buyers from walking away or lowballing you. When a Partial Roof Replacement Makes Sense You don’t always need a full roof replacement to increase your home’s value. If most of your roof is in strong condition but a single slope or section is aging, a partial replacement can: Improve appearance Stop small leaks before they grow Reduce buyer objections Boost curb appeal Save you thousands compared to a full replacement Not sure which approach is right? Schedule a professional inspection here: schedule a free roof inspection → [insert link] Our team will evaluate your roof, document its condition, and help you choose the most cost-effective option for your home and selling timeline. How a New Roof Helps Your Home Stand Out to Buyers A roof is one of the first things buyers notice—both visually and structurally. Installing a new roof before listing offers several major advantages: 1. Instantly Improves Curb Appeal A fresh roof—whether shingle, tile, or metal—sharpens your home’s appearance and enhances listing photos. Homes with new roofs often get more showings and stronger offers. 2. Increases Energy Efficiency Today’s roofing materials are more reflective, better insulated, and energy-smart. Florida buyers appreciate features that help reduce AC usage and monthly utility bills. 3. Provides Long-Term Peace of Mind Buyers don’t want to inherit a roof problem. A new roof gives them confidence and reduces their future maintenance costs—making your home more competitive. If you’d like to review what goes into a replacement, check out our roofing replacement checklist → [insert internal link] 4. Boosts Storm Readiness Florida weather is no joke. A new, hurricane-rated roof tells buyers your home is better equipped to handle strong winds and tropical storms. For official preparedness resources, see NOAA’s hurricane readiness page. Does a Metal Roof Lower Your Insurance in Florida? Often, yes. Metal roofs are one of the most durable options for Florida homeowners. Because they are resistant to fire, impact, and high winds, many insurers view metal as a lower-risk roofing system , which may lead to premium reductions. However, discounts vary based on: your roof’s geometry the installation method compliance with the Florida Building Code requirements manufacturer specifications whether the roof is certified for high-velocity hurricane zones Keep in mind, insurers do not guarantee discounts—so always confirm with your provider before upgrading. How to Get Insurance to Pay for Your Roof Replacement in Florida If your roof is damaged by a covered event—like wind, hail, or debris—your policy may pay for some or all of the replacement. Here’s how to maximize your chances of approval: 1. Document the Damage Immediately Take wide shots, close-ups, and clear photos of affected areas. Time-stamp everything. 2. Schedule a Professional Inspection A licensed roofing contractor’s report carries significant weight with insurers. We assess the full extent of the damage, provide photographic evidence, and help you understand your coverage. 3. File Your Claim Promptly Florida policies have strict deadlines. Waiting too long can result in denial. 4. Work With a Roofing Company Experienced in Insurance Claims Crest Roofing works directly with adjusters to streamline the process, ensuring: accurate documentation correct claim submission code-compliant repair or replacement You can read our roofing insurance guide for Florida homeowners → [insert internal link] to understand how claims work. Is a New Roof Actually a Good Investment? For most Florida sellers, yes —a new roof can significantly improve your home’s resale value and eliminate major buyer objections. Homeowners who replace their roof before listing often experience: higher buyer confidence fewer repair negotiations faster offers smoother inspections increased appraisal accuracy stronger curb appeal And if plans change and you don’t sell? You still benefit from: longer roof lifespan lower maintenance costs improved energy efficiency potential insurance savings increased storm resilience It’s a win either way. Still Unsure Whether You Need a New Roof Before Selling? Let’s Talk. Call us at (954) 586-5866 or send us a message anytime. We’ll evaluate your roof’s condition, explain the best options for your neighborhood and price point, and help you make a confident decision before listing your home. Your Trusted South Florida Roofer With over 25 years of hands-on experience , Crest Roofing is a veteran-owned, licensed, and insured roofing company serving all of South Florida.

Year-round sunshine, ocean breezes, and no snow to shovel. There’s no denying the perks of living in South Florida. But our tropical lifestyle does come with a hidden cost. Between the scorching sun, salty air, heavy humidity, and hurricane season, roofs tend to wear out faster here than they do in milder climates. Even high-quality, professionally installed roofs don’t last as long here as they do in more temperate regions. So, exactly how often should a roof be replaced in Florida ? Not sure if yours is due for a replacement or what signs to look for? In this guide, we’ll break it all down: how long roofs typically last in Florida, the first signs of damage, and the best roofing materials for Florida. Why Florida Homeowners Need a Roof Replacement Checklist South Florida living has its perks—sunshine, warm weather, and ocean breezes year-round. But our tropical climate comes with one major drawback: Roofs wear out faster here than almost anywhere else in the country.  Between intense UV exposure, salty coastal air, extreme humidity, and hurricane seasons, even high-quality roofs age more quickly than they do in milder states. So if you’ve ever wondered how often a roof should be replaced in Florida , or whether your roof is due for a professional inspection, this guide will give you every answer. How to Know When You Need a New Roof While roofs in northern climates may last 25–30 years, Florida roofs face far more stress. In our climate, many roofs need major attention—or a full replacement—within 10 to 15 years . To protect your home (and maintain your insurance coverage), we recommend a professional roof inspection every decade , or sooner after multiple storms. If your insurance carrier flags your roof during inspection, it’s important to act quickly to avoid coverage limitations. Here are the signs your roof may be nearing the end of its life. Exterior Warning Signs Cracked, curled, or missing shingles Dark streaks, mold, or algae growth Granules piling in gutters or downspouts Sagging or uneven rooflines Standing water that doesn’t drain after rain Interior Warning Signs Water stains on ceilings or attic insulation Leaks during or after storms Sudden increases in energy bills Storm-Specific Damage to Watch For Florida storms cause unique roofing issues. After hurricanes, tropical storms, or hail events, look for: Lifted or torn shingles Tile displacement Dents from hail or flying debris UV cracking or fading Water stains following wind-driven rain For additional storm-readiness guidance, review the NOAA hurricane preparedness resources . Choosing the Best Roofing Material for Florida Homes If you’re asking, “how much does a roof cost in Florida?” —the real answer depends on three things: Your roof size Your roof’s complexity The material you choose Because Florida roofs must withstand heat, moisture, and hurricane-force winds, material selection is critical. Here are the best options for Florida homes: Clay Tiles Pros: Beautiful aesthetic, long lifespan, excellent wind resistance Cons: Heavier material, higher cost, more complex installation Concrete Tiles Pros: Extremely durable, energy efficient, great in high heat Cons: Heavy weight may require structural reinforcement Asphalt Shingles Pros: Budget-friendly, lightweight, easy to install Cons: More prone to UV fading and may need repairs more frequently Metal Roofing Pros: Long lifespan, energy efficient, top-tier wind resistance Cons: Higher upfront cost, louder during heavy rain unless insulated Composite Shingles Pros: Impressive durability, UV resistance, versatile appearance Cons: Higher price than traditional shingles What Happens During a Roof Replacement in Florida? Most South Florida roof replacements take 2–7 days , depending on material and home size. Our team handles all permitting and scheduling to keep your project running smoothly. Here’s what the process looks like: Step 1: Roof Tear-Off & Decking Inspection We remove the old roofing and inspect the decking for rot, cracks, moisture damage, or structural issues. Step 2: Waterproofing Installation We apply a premium waterproof underlayment—your roof’s main moisture barrier. We also install flashing around chimneys, vents, skylights, and other vulnerable areas. Flashing is essential to storm protection. For more on wind and water intrusion, review the FEMA wind damage guidance . Step 3: New Roof Installation We install your roofing system using Florida Building Code –approved methods . This includes adhering to High Velocity Hurricane Zone (HVHZ) fastening requirements. Step 4: Final Inspection & Cleanup We secure all fasteners, inspect every detail, remove leftover materials, and leave your home clean. How to Prepare Your Home for a Roof Replacement A few simple steps can help protect your home and speed up the process: Move vehicles out of the driveway Remove patio décor and outdoor furniture Cover landscaping or delicate plants Keep pets inside Take down wall décor or fragile items to avoid vibration damage How Much Is a New Roof in Florida? Here are the general investment ranges for South Florida roof replacement: Asphalt shingles: $8,000–$14,000+ Tile roofing: $15,000–$30,000+ Metal roofing: $18,000–$40,000+ Costs include removal, installation, materials, labor, permits, and cleanup. Higher-quality materials cost more upfront but typically offer: longer lifespan greater storm resistance improved energy efficiency better long-term savings Protect Your Home With a Florida-Ready Roof South Florida’s climate is tough on roofs, but the right materials, expert installation, and consistent maintenance can protect your home for decades. Whether you’re overdue for a replacement or just planning ahead, Crest Roofing is here to guide you every step of the way. Contact our expert team today for your free estimate! Your Trusted South Florida Roofer With over 25 years of hands-on experience , Crest Roofing is a veteran-owned, licensed, and insured roofing contractor serving homeowners across South Florida.