Bill > S0128

This bill modifies Florida's homeowners' insurance law to provide additional protections for homeowners with roofs that are 15 years or older. Under the new provisions, when an insurance company wants to require roof replacement as a condition of issuing or renewing a policy, homeowners can request a roof inspection by an authorized inspector at their own expense. If the authorized inspector determines that the roof has at least 5 years of useful life remaining, the insurance company must reimburse the homeowner up to $300 for the inspection cost. Additionally, insurers are now required to notify homeowners about their right to have a roof inspection and the potential for reimbursement at the time of policy issuance or renewal. This change aims to prevent insurers from automatically denying coverage or requiring roof replacement based solely on the age of a roof that is still structurally sound. The bill will take effect on July 1, 2026, giving insurers and homeowners time to prepare for the new requirements.

https://www.flsenate.gov/Session/Bill/2026/128