For the past two years, a lot of people have been waiting on the housing market to do one specific thing: drop rates dramatically and "unfreeze." That was the plan for buyers and sellers alike. I'll
What’s All This Ruckus Over Roofs?
Dated: March 4 2023
Views: 301
If you’re a homeowner, or looking to become one in Florida, insurance is an essential part of protecting your investment and ensuring that you can recover from losses due to unforeseen circumstances. It is no secret that Florida is known to have periodic severe weather events such as hurricanes, tornadoes, strong winds, even hailstorms, and over the past 5 or so years, the state’s insurance companies have been hit so hard with claims that a number of them have become insolvent, and either chosen to leave the state or simply closed their doors altogether.
One of the key insurance regulations in Florida requires a home inspection to include the "Roofing Uniform Mitigation Verification Inspection Form." Simply put, this form is used to assess the vulnerability of a home's roof to damage from high winds. The form includes questions about the roof's age, type of materials used, and condition, as well as its ability to withstand different wind speeds. If the results of this inspection show their roof is deemed to be less vulnerable to damage, homeowners may be eligible for money-saving discounts on their insurance premiums.
For example, a roof that is less than ten years old and made of impact-resistant materials such as concrete or metal may be eligible for a significant discount, and while some older roofs may still qualify for coverage, there may be a depreciation calculation for replacement when its age and condition is taken into account, as I learned when I researched the Valued Policy Law. This law requires insurance companies to pay the full insured value of a home's policy if it is destroyed by a covered event such as a hurricane or severe windstorm and ensures that homeowners receive the full value of their policy, even if the cost of rebuilding exceeds the policy limit.
However, the Valued Policy Law does not apply to roofs that are more than ten years old. For older roofs, insurance companies may only be required to pay for the actual cash value of the roof at the time of the loss, which is determined based on its age and condition. Therefore, it is essential for homeowners with older roofs to ensure that their policies have adequate coverage to cover the cost of roof replacement.
In addition to these regulations, homeowners in Florida should also be aware of their policy's deductible and exclusions related to roofing. Most insurance policies have a separate deductible for windstorm damage, which can be significantly higher than the standard deductible. Additionally, it is increasingly more common to find policies which are excluding coverage for certain types of damage, such as leaks.
What does all this mean for you?
Florida's regulations related to roofing in homeowners insurance policies are designed to protect homeowners from the risks of severe weather events while also ensuring that insurance companies are providing adequate coverage while still empowering them to protect themselves from fraud and scams, like the ones that were so prevalent after Hurricane Irma in 2017.
After Irma, the damage was so widespread in Florida that the insurance companies simply didn’t have the manpower to send a qualified adjuster out to assess every claim. There were literally hundreds of con artists that went around to homeowners, telling them that their roofs had unseen terminal damage, having them sign over their rights to insurance benefits, and then bilking the insurance companies out of tens millions of dollars.
Should I be worried about my 15-year-old tile roof?
Take it easy, the short answer is “no.” Insurance companies in Florida cannot technically deny coverage solely based on a randomly chosen age. If a tile roof is found to be in good condition and not vulnerable to damage, insurance companies may offer coverage at standard rates or with discounts for desirable features, such as a newer roof or one made of impact-resistant materials.
However, if a tile roof is found to be in poor condition, deteriorated, or vulnerable to damage, the insurance company may require the homeowner to repair or replace the roof before they offer coverage. In some cases, they may offer coverage with certain conditions, such as higher deductibles or lower coverage limits.
Homeowners should definitely shop coverages and consult with their insurance provider to understand all of the policy's coverage and exclusions related to roofing to ensure that their policy provides sufficient protection for their specific needs. As with everything in life, the more information you arm yourself with, the better your likelihood of avoiding unwelcome surprises.
Monica Waterman
I have lived, raised 3 wonderful kids, and worked in this area for almost 30 years, and I still wake up every day with a sense of overwhelming gratitude that I get to make my living helping people jus....
Latest Blog Posts
When most people picture negotiating on a home, they picture one number: the list price. You offer somewhere under the asking price, the seller counters, you settle in the middle, and whoever gives
If you've spent any time on real estate TikTok in the last few years, you've probably seen the house hacking pitch. Buy a property, rent part of it out, let your tenants cover the mortgage. Live for
Massachusetts MLS Property Info Network (MLSPIN) - The property listing data and information set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information are for the personal, non commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and
Copyright© 2026 REIN Inc. Information Deemed Reliable But Not Guaranteed. The listings data displayed on this medium comes in part from the Real Estate Information Network Inc.(REIN) and has been authorized by participating listing Broker Members of REIN for display. REIN's listings are based upon Data submitted by its Broker Members, and REIN therefore makes no representation or warranty regarding the accuracy of the Data. All users of REIN's listings database should confirm the accuracy of
Copyright © MFRMLS.com All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated Last updated on September 11, 2026 11:55 AM UTC The listing information on this page last changed on Last updated on September 11, 2026 11:55 AM UTCd. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Updated on September 11, 2026 11:55 AM UTC
Based on information from California Regional Multiple Listing Service, Inc. as of September 11, 2026 12:52 PM UTC This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g.square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with
© 2026 North Texas Real Estate Information Systems, Inc. All rights reserved. Disclaimer: All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Allison James Estates and Homes shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. The database information herein is provided from and copyrighted by the North Texas
All measurements and all calculations of area are approximate. Information provided by Seller/Other sources, not verified by Broker. All interested persons should independently verify accuracy of information. Provided properties may or may not be listed by the office/agent presenting the information. Data maintained by MetroList© may not reflect all real estate activity in the market.
All real estate content on this site is subject to the Federal Fair Housing Act of 1968, as amended, which makes it illegal to advertise any preference, limitation or discrimination because of race, color, religion, sex, handicap, family status or national origin or an intention to make any such preference, limitation or discrimination.
MetroList CA data last updated: September 11, 2026 12:12 PM UTC 
The content relating to real estate for sale on this website comes in part from the MLS of Central Oregon. Real estate listings held by Brokerages other than Allison James Estates and Homes are marked with the Reciprocity/IDX logo, and detailed information about these properties includes the name of the listing Brokerage. © MLS of Central Oregon (MLSCO).
This content last updated on September 11, 2026 11:32 AM UTC Some properties which appear for sale on this website may subsequently have
© 2026 Florida Gulf Coast MLS (FGCMLS) Information deemed reliable, but not guaranteed. The IDX data relating to real estate for sale on this web site comes in part from the Florida Gulf Coast Multiple Listing Service. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
Information is deemed to be reliable, but is not guaranteed. © 2026 MLS and FBS. Prepared by Florida Keys MLS, Inc. on September 11, 2026 12:46 PM UTC The information on this sheet has been made available by the MLS and may not be the listing of the provider. The data relating to real estate for sale on this web site comes in part from the Florida Keys MLS, Inc. Information provided is deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The information
Based on information from CRISNet MLS as of September 11, 2026 12:32 PM UTC All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed.
The MLS™ Combined LA/Westside MLS® (CLAW): All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Tahoe Sierra Multiple Listing Service. Real estate listings held by brokerage firms other than Tahoe Sierra Board of Realtors are marked with the Broker Reciprocity logo and detailed information about them includes the name of the listing brokers.
The information being provided is for consumers' personal, non-commercial use and may not be used for any other purpose other than to
© BRIGHT, All Rights Reserved
Greater Antelope Valley Association of Realtors®: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.
Information should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is recommended. Copyright ©2017 All rights reserved.
