Roofing Guides · Updated October 2026
Does Homeowners Insurance Pay for a New Roof in Florida?
Insurance may pay to repair or replace a roof when a peril your policy covers, such as a windstorm, causes sudden damage. It generally doesn't pay for age or wear and tear. What you actually receive depends on your policy, your deductible (including a separate hurricane deductible) and the adjuster's findings, so no roofer can promise an outcome.
What's usually covered and what isn't
Homeowners policies are typically written to cover sudden, accidental physical damage from covered perils. Gradual deterioration, lack of maintenance, and an old roof wearing out are normally excluded. Read the "perils" and "exclusions" sections of your policy.
Deductibles
Florida law (§627.701, F.S.) provides for a separate hurricane deductible, and the amount appears on your declarations page. Some policies also carry a roof-specific deductible. The Florida Department of Financial Services (DFS) says roof deductibles have to be disclosed clearly and shown on the declarations page.
Partial damage and the 25% rule
If your roof was built to the 2007 Florida Building Code or later, current Florida law says only the damaged portion has to be brought to code, not the whole roof. See Florida's 25% Roof Rule: The Current Law.
Roof age
Under §627.7011(5), F.S., insurers can't refuse to issue or renew a policy solely because a roof is less than 15 years old. For older roofs, an inspection can matter. See Roof Age and Homeowners Insurance in Florida.
You stay in control of your claim
You file and manage your own claim with your insurer. We can inspect your roof, document what we find with photos, and give you a written repair or replacement estimate for you to share with your insurer. Florida law (§489.147, F.S.) bars contractors from offering incentives to get you to file a claim and from adjusting claims without a public adjuster license. For storm claims, see Filing a Roof Claim After a Hurricane.
Not legal or insurance advice. You stay in control of your own insurance claim.
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More roofing guides
- Filing a Roof Claim After a Hurricane
- Roof Age and Homeowners Insurance in Florida
- Florida's 25% Roof Rule: The Current Law
Sources
- Florida Statutes §627.701, Liability of insureds; hurricane deductibles
- Florida Statutes §627.7011 (2026), roof age and homeowners policies (subsection 5)
- Florida Statutes §627.70132 (2026), Notice of property insurance claim
- Florida Statutes §553.844 (2025), Windstorm loss mitigation; roof repair exception (subsection 5)
- Florida Statutes §489.147 (2026), Prohibited property insurance practices
- Florida Dept. of Financial Services, Insurance Consumer Advocate: Property Insurance Changes
- Florida DFS, Contractor – Residential Property FAQs
Sources checked October 2026. Laws, codes and prices change, so confirm current details with the source.
Frequently asked questions
Will my insurance replace an old roof?
Not just because it's old. Coverage generally applies to sudden damage from a covered peril, not wear and tear.
What is a hurricane deductible?
It's a separate deductible that applies to hurricane losses, described in §627.701, F.S., and listed on your declarations page.
Can a roofer file my claim for me?
You file and manage your own claim. A roofer can document damage and give you an estimate, but Florida law bars contractors from adjusting claims without a public adjuster license.
How long do I have to file?
Under §627.70132, F.S., notice of a new or reopened claim must be given within 1 year of the date of loss, and a supplemental claim within 18 months.
Can you guarantee insurance will pay?
No. Nobody can promise an insurance outcome. Your insurer decides coverage under your policy.