Florida
Home insurance quotes for Florida homes with an older roof
Roof age is the number one reason Florida applications get declined. Carrier cutoffs are typically 15 years for shingle and 20 to 25 for tile or metal, but the cutoff is not the same everywhere and a current inspection can extend it.
Show my quotes →What moves the price
- Roof age, roof cover material, and permitted replacement date
- Roof condition documented on a 4-point or roof certification inspection
- Whether the carrier offers replacement cost or ACV (actual cash value) roof settlement
- Wind-mitigation credits, which can offset an older-roof surcharge
- Prior roof claims and any open permits
Options when carriers decline for roof age
Older roofs are still insurable. In rough order of preference:
- Carriers with a longer roof-age tolerance plus a roof certification showing remaining life
- Replacement cost policies with an older-roof surcharge
- ACV roof settlement policies — cheaper premium, depreciated roof payout
- Citizens, when the private market will not write it
- A dwelling-fire (DP-1/DP-3) form for non-owner-occupied properties
Documentation that changes the answer
Upload your 4-point and wind-mitigation reports during the quote. Our AI reads them and fills in roof deck attachment, roof-to-wall connection, roof geometry, and opening protection, which is exactly what unlocks credits and better eligibility on an older home.
Common questions
Often yes, with a roof certification or inspection showing remaining useful life, sometimes with ACV roof settlement or through Citizens.
Usually significantly, especially when paired with a wind-mitigation inspection documenting the new roof deck attachment and secondary water resistance.
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