How Old Can a Roof Be for Insurance in Florida? What Carriers Require in 2025

May 28, 2025

If it feels like insurance requirements have gotten stricter, it’s because they have. Insurance premiums are on the rise, and for many Florida homeowners, their policies are not being renewed. 

 

One of the biggest changes? Your roof’s age could make or break your coverage. 


Florida’s intense climate of hot sun, heavy rains, and hurricane-force winds can take a serious toll on roofs. And after the last few hurricanes, insurers have started to pay much closer attention to how old your roof is and what condition it’s in before renewing or writing a new policy. 

 

We're breaking down what you need to know about the new roofing insurance rules in Florida, and how to stay ahead of the curve (and those rising premiums). 


What Most Insurance Companies Are Requiring in 2025

In recent years, Florida has seen a massive increase in insurance claims from storm damage. Several carriers have pulled out of our state entirely, while many others are refusing to write new policies for older homes. 


New Insurance Requirements at a Glance


1. Roof Age Restrictions 

Roof age has now become a major factor in determining whether you're eligible for coverage at all. 

  • Shingle roofs: Must typically be under 10-12 years old 
  • Tile roofs: Often allowed up to 15-20 years 
  • Metal roofs: Can last 25+ years, but some carriers still require updates after 15-20 years 

Even if your roof looks fine, exceeding these age limits could result in carriers refusing to insure your home or denying roof replacement coverage after storm damage. 

 

2. Detailed Inspections Are Now Mandatory 

Insurers aren’t just asking how old your roof is: they want proof that it's in good shape with thorough documentation. 


In 2025, roof inspections must include: 

  • A full report by a licensed contractor 
  • Photos showing your roof’s current condition 
  • Notes on potential problem areas (such as missing shingles or soft spots) 

Without proper documentation, your insurance claim could be rejected, and you would be responsible for repairs. Our team at Crest Roofing specializes in comprehensive inspections that identify potential issues before they become insurance problems, helping you maintain coverage and avoid unexpected costs. 

 

3. Roofing Materials Matter 

In 2025, insurance carriers are prioritizing stronger, weather-resistant materials, as some traditional options no longer meet required standards for extreme weather conditions: 

  • Metal roofing is increasingly favored for its storm resistance 
  • Asphalt shingles are an option, but they age faster in Florida’s climate 
  • Clay or concrete tile roofs offer longevity but require more maintenance 

So, does a metal roof lower your insurance in Florida? The answer is typically yes. While the upfront cost is higher, metal roofing (especially when combined with hurricane straps and reinforcements) often pays for itself through lower insurance rates and minimal repair needs over time. 

 

4. The 25% Rule (And Its New Limitations) 

Florida's "25% Rule" states that if over 25% of your roof is damaged in a covered event, you may qualify for a full replacement. However, under the 2025 regulations, this rule comes with important limitations. 

 

If your roof is too old or wasn't properly maintained, insurers can deny full coverage, even if damage exceeds 25%. This makes regular inspections and maintenance more critical than ever for Florida homeowners. 

 

To sum it up, if you’re trying to figure out how to get your insurance to pay for roof replacement in Florida, you need to understand that timing, documentation, and roof condition are everything. The earlier you act (before visible damage or policy denial), the more options you’ll have. 


Can a Roof’s Condition Override Its Age? 

Some insurance companies may make exceptions for older roofs, but only those in exceptional condition. 

 

To qualify, you’ll likely need: 

  • A clean inspection report 
  • Photos proving there is no visible damage 
  • No signs of water intrusion, sagging, or DIY patch jobs 


Your roof should also be free of: 

  • Lifting or curling shingles 
  • Exposed fasteners or underlayment 
  • Water stains on ceilings or in the attic 
  • Cracked, chipped, or missing tiles 
  • Pooling water on flat roofs 

If your roof shows any of these warning signs, schedule an inspection immediately. Our professionals can identify necessary repairs before problems escalate to help maintain your insurability. 


Why Replacing Your Roof Might Save You Money 

Replacing a roof is a big decision, but one that could save you money long-term.

Wondering how much is a metal roof in Florida? Or how much does a new roof cost in Florida? Pricing varies based on your chosen material: 


  • Asphalt shingles: Most affordable option with the shortest lifespan 
  • Metal roofing: Higher upfront cost, but exceptional durability and potential insurance savings 
  • Tile roofing: Excellent longevity, but comes with higher repair costs when damaged

If your roof is approaching the 10-15 year mark, replacing it now could cost less than waiting until an insurer requires you to do so or, worse, denies a future claim. 

 

Plus, many carriers offer discounts for: 

  • Newer roofs 
  • Wind mitigation features 
  • High-impact materials like metal 

Whether your roof is 5 years old or 15, a quick inspection today can save you serious headaches (and dollars) tomorrow. Let’s make sure your roof and your insurance are in excellent shape for 2025 and beyond. Get your freeestimate today! 

How Old Can a Roof Be for Insurance in Florida? What Carriers Require in 2025
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