Florida homeowners are facing significant changes as new roofing regulations reshape insurance coverage and building requirements. These updates affect every property owner across Central Florida, regardless of your roof’s current condition. At Taylor’s Roofing, our experts are here to help you navigate the changes.
Insurance Coverage Changes Hit Hard
The most shocking change allows insurance companies to drop coverage on roofs that reach 15 years of age — unless homeowners pay for an inspection that determines there’s at least five years of useful life remaining. Even if your roof is in perfect condition, age alone now gives insurers grounds to cancel your policy unless you’re willing to pay for an inspection. This rule creates urgent pressure for homeowners who purchased properties with older roofs or delayed replacement projects.
Insurance companies claim this change reduces their risk during hurricane season. However, homeowners bear the financial burden of inspections and premature replacements or face the impossible task of finding new coverage with an aging roof.
Building Code Requirements Expand
Florida’s updated building codes require that all roof repairs comply with modern code standards. If you have an older roof that won’t support modern repairs, you may have to replace the entire thing in order to be in compliance with Florida’s 2025 Building Code. This change aims to improve roof integrity and reduce future claims. While this is good in theory, the immediate cost of an unexpected roof replacement can create significant financial strain for families dealing with storm damage.
Metal Roofing Takes Priority
New regulations favor metal roofs in areas prone to severe weather because they provide superior wind resistance and longevity compared to traditional shingle systems. Insurance companies recognize these benefits by offering better rates and coverage for metal installations.
Plan Your Next Steps with Taylor’s Roofing
These regulatory changes create both challenges and opportunities for Central Florida homeowners. If your home has an aging roof, now is the time to take action to remain in compliance and avoid losing insurance coverage.
Don’t wait for insurance cancellation notices or storm damage to force your hand. Scheduling a roof inspection and planning your next steps before disaster strikes protects your property value and insurance coverage. Ready to discuss how these new laws affect your property? Contact Taylor’s Roofing today for a comprehensive roof assessment.