Bill > S0808

This bill modifies Florida's property insurance regulations regarding roof inspections and policy issuance, expanding the definition of "authorized inspector" to include additional roof professionals like Registered Roof Consultants and Roof Observers. The bill prevents insurance companies from refusing to issue or renew property insurance policies for residential structures solely based on roof age, specifically protecting roofs less than 15 years old. For roofs 15 years or older, insurers must now differentiate between low-slope roofs (2-inch pitch or less) and steep-slope roofs (more than 2-inch pitch), and allow property owners to have an authorized inspector evaluate the roof's condition before mandating replacement. For steep-slope roofs, insurers cannot deny coverage if an inspection indicates the roof has at least 5 years of useful life remaining. Similarly, for low-slope roofs, insurers cannot refuse coverage if an authorized inspector determines the roof can be restored with a coating system that extends its useful life by at least 5 years. The bill calculates roof age based on the last date of complete surface replacement and will apply to property insurance policies issued or renewed after July 1, 2026, representing a significant consumer protection measure in Florida's insurance market.

https://www.flsenate.gov/Session/Bill/2026/808