Florida homeowners often worry about insurance non-renewals as their roof ages. The state’s 15-year roof rule provides protections, but only if you know your rights and take the right steps.

What Is the 15-Year Roof Rule?

Florida law states that insurance companies cannot drop or refuse to renew a homeowner’s policy solely because a roof is under 15 years old. For roofs older than 15 years, insurers must allow a licensed inspection. If that inspection shows 5 or more years of useful life, the insurer cannot deny coverage based on age alone.

Why Inspections Matter

A licensed inspector looks for flexibility, granule coverage, and overall condition. If your roof shows signs of at least 5 years of life, you remain eligible for insurance renewal.

How Rejuvenation Helps

Rejuvenation restores shingle oils and flexibility, often pushing roofs past the 5-year threshold inspectors look for. Bright Green Roof provides a post-treatment inspection report you can submit to your insurer.

Options if You’re Dropped

If your insurer still denies coverage, you can:

• File a complaint with the Florida Office of Insurance Regulation.
• Shop for another insurer that accepts your updated inspection.
• Use rejuvenation as proof of added life to qualify for renewal.

Why Bright Green Roof Is Trusted

We’ve helped many Florida homeowners overturn non-renewal notices. Our rejuvenation treatments make roofs inspection-ready, backed by a 5-year warranty and re-roof guarantee.

 Schedule your free inspection today to protect your roof — and your insurance.