In South Florida, homeowners are hearing the same message: “Your roof is too old. You must replace it.” That warning often triggers panic, rushed bids and decisions made under pressure rather than evidence.
Florida law does not support blanket roof replacement mandates based solely on age — yet many homeowners are never told that an inspection-based alternative exists.
Florida Statute 627.7011 applies to policies issued or renewed on or after July 1, 2022. It limits how insurers may use roof age when issuing or renewing coverage. If a roof is under 15 years old, an insurer may not refuse to issue or renew a policy solely because of roof age. If a roof is 15 years old or older, the homeowner must be allowed to obtain a professional roof inspection.
If that inspection confirms at least five years of remaining useful life, the insurer may not refuse to issue or renew coverage based on roof age alone.
Many homeowners don’t know this consumer protection law exists. Many are never told they have inspection rights. Instead, they’re told replacement is “required,” as if a full tear-off is the only path to insurance renewal, even when the roof remains structurally sound.
Homeowners’ confusion is compounded by industry structure. When roofing companies are sales-driven, full replacement is often the only solution presented. And when homeowners are shown only one option, they understandably assume it is the only option.
But tile roofs do not age evenly, the way many people assume. In fact, tile roofs rarely deteriorate evenly across an entire roof. Because of slope, pitch, drainage design and water migration, certain areas receive far more water exposure than others. Valleys, transitions and high-water-flow zones — where the geometry of the roof concentrates runoff — can process much more water than other areas of the roof. Over years, deterioration concentrates in predictable sections, while the majority of the roof may remain stable with substantial service life remaining.
That reality changes what “necessary” work actually looks like.
A proper, professional evaluation focuses on where deterioration is concentrated, verifies conditions beneath the surface, and determines whether the roof as a whole retains remaining useful life. That evaluation must be documented — not assumed — and tied to observable conditions rather than age alone. In many cases, targeted repairs and rebuilds can restore integrity and extend service life without a premature full replacement.
For several decades, comprehensive inspections of tile roofs across South Florida have shown this pattern consistently. Again and again, evaluations reveal that full replacement is not structurally required. The failing areas are isolated, the remaining system is stable, and the appropriate solution is targeted rebuilding and maintenance — not a rushed tear-off driven by age alone.
This is not an argument against roof replacement when it is truly necessary. Some roofs are genuinely at the end of their lives. Some have systemic issues that require full replacement for safety. But age alone is not a structural diagnosis — and Florida law recognizes that reality by requiring an inspection pathway rather than a blanket age trigger.
In my work, we routinely provide homeowners, agents and property managers with a one-page summary of the statute and the inspection alternative, because informed decisionmaking depends on clarity — not pressure. Insurers, agents and contractors should reference the law accurately and prioritize fully documented condition over assumptions tied to age. Homeowners deserve transparent, written findings they can actually use.
If you are facing insurance pressure due to roof age, ask a simple question: “Am I being evaluated based on documented condition, or on age alone?” If your roof is 15 years old or older, ask about the inspection option and request written findings. Don’t assume replacement is required without evidence. Ask for photographs, a written summary and a clear scope; if answers are vague, get a licensed second opinion.
A law cannot protect consumers if consumers don’t know it exists. Public education is the missing link. When homeowners understand their inspection rights — and how tile roofs actually age — they can make informed, financially responsible decisions rather than reacting out of fear or thinking that complete replacement is their only option.
Mike McGilvary is the owner of Mike McGilvary Roofing, Inc., a family-operated, licensed roofing firm serving South Florida. His family has worked in the roofing industry since 1974.