Florida · Rev 2026-10-12
Florida roof age · insurance · cost

Check your Florida roof's age against insurance rules and estimate replacement cost

Florida insurers look hard at roof age. Enter three details to see where your roof stands under the state's 15-year rule and Citizens' thresholds, then budget for what comes next.

126RUN 16'-0"INSTALLED 2009VULT 147 MPH · RISK CAT II
Detail 1 · Section through a typical gable roof, not to scale

Three Florida rules worth knowing

15 yearsUnder §627.7011(5), an insurer may not refuse to write or renew a homeowners policy solely because the roof is under 15 years old. Older roofs can stay insurable with an inspection showing 5+ years of remaining life.
25 / 50 yearsCitizens asks for proof of 5+ years of remaining life once a shingle or flat roof passes 25 years, or a tile or metal roof passes 50. Since Aug 1, 2026 it pulls roof age from third-party data on new applications.
$450–$800 per squareTypical installed range for architectural shingle in Tampa Bay and Southwest Florida in 2026, calibrated on Cape Coral and Miami-Dade re-roof permits. A square is 100 sq ft of roof.

Tools

Roof age & insurance check

Roof age, the 15-year rule, Citizens thresholds and the 25% repair rule for your roof.

Roof replacement cost calculator

Low, typical and high cost for your home, with Florida code items like deck re-nailing.

Repair or replace?

A checklist that applies Florida's 25% rule and typical service life to your roof.

Metal vs shingle vs tile

Installed cost, Florida lifespan and cost per year of service, side by side.

Guides

Florida roof replacement cost (2026)

Permit-based prices by material, regional fees and wind-zone rules.

Florida roof insurance rules

The 15-year rule, Citizens requirements, the 25% rule and roof deductibles, with sources.

How old is my roof?

Where to find your roof's permit date, county by county.

How long roofs last in Florida

Typical service life by material, and how it compares with insurer age rules.

Signs you need a new roof

The failure signs Florida inspectors and insurers flag, by material.

Manatee County roof permit study

52,951 re-roof permits analyzed: volumes, materials, job values.