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New roofs and insurance

Will Replacing My Roof Lower My Homeowners Insurance in Florida?

Often, but not automatically. A new roof resets your roof's age, which helps you keep coverage and may earn a roof-age discount at some insurers. It can also improve the wind mitigation answers that lower the hurricane part of your premium. Savings vary by insurer, so get a new wind mitigation report and ask your agent for a re-rate.

By Josh Hildebrand, owner of Coastline Roofing · Florida license CCC1331076 ·

Plenty of roofing ads promise a lower premium with a new roof. Sometimes it happens. Sometimes the change is small, and sometimes it never shows up because nobody sent the insurer the right papers. Here's what moves the number, what doesn't, and when a new roof is worth it.

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The short answer

Does a new roof lower homeowners insurance in Florida?

It can, but not on its own. Florida's Department of Financial Services says hurricane mitigation improvements "may result in a decrease" in your premium. A new roof gets there in up to three ways, and your insurer decides what each one is worth.

Roof age decides who will insure you

Florida law bars an insurer from refusing or non-renewing a policy on a roof under 15 years old solely because of its age. A full replacement starts that clock over at zero.

A roof-age discount, at some insurers

The state's insurance consumer advocate says a roof discount can vary from company to company and typically may only apply to roofs under 10 years old.

Wind mitigation credits

State law requires insurers to offer credits for wind-resistant construction. A new roof can improve several answers they're based on, but they only come off the hurricane part of your premium.

What a new roof won't change

The age of the house itself. The state notes that "some insurance companies charge a higher premium according to the age of the home."

Roof age

How does roof age affect my premium and coverage?

Mostly, age decides whether an insurer will write or renew your policy at all. At some companies it also earns a discount. A full replacement resets the age to zero.

Florida Statutes section 627.7011(5)(b) says an insurer "may not refuse to issue or refuse to renew" a policy on a roof under 15 years old "solely because of the age of the roof." Past 15, section 627.7011(5)(c) lets you pay for an inspection, and if it shows 5 or more years of useful life left, age alone can't be the reason. "Solely" matters: an insurer can still act on condition.

The roof age lines that matter for Florida insurance
Roof ageWhat appliesWhere it comes from
Under 10 yearsA roof discount may apply at some insurers. It varies by company.Florida's Insurance Consumer Advocate
Under 15 yearsAn insurer can't refuse or non-renew solely because of roof age.Section 627.7011(5)(b)
15 years and olderAn inspection showing 5 or more years of useful life stops a refusal based on age alone.Section 627.7011(5)(c)
Over 25 years (shingle) or 50 years (tile, metal)Citizens requires documentation of at least five years of remaining useful life.Citizens Property Insurance

The state words the discount carefully. The Insurance Consumer Advocate's shopping tips say: "Discount for your roof can vary from company to company. This discount will depend on the age, condition, and the type of roof. Typically, this discount may only apply to roofs less than 10 years old." Ask your agent whether your insurer offers one and what it's worth.

Age counts from the last full replacement

Section 627.7011(5)(d) measures roof age from "the last date on which 100 percent of the roof's surface area was built or replaced." A repair doesn't reset it. A complete new roof does.

Already holding a letter? Start with what to do after a roof non-renewal notice. If your carrier says the roof is simply too old, read your options when insurance calls a roof too old.

Wind credits

Which part of my premium can a new roof lower?

Mostly the hurricane part. The discounts Florida law requires for wind-resistant construction come off only the wind portion of your premium, and a new roof can improve three of the answers they're based on.

Section 627.0629(1) says a home insurer's rate filing "must include actuarially reasonable discounts, credits, or other rate differentials" for construction shown to cut windstorm losses, including "roof covering performance." Citizens says its mitigation discounts "apply only to the wind portion of your policy premium."

The proof is a wind mitigation report on state form OIR-B1-1802, completed by a licensed inspector. A new, permitted roof can improve three of its answers: Roof Covering, Roof Deck Attachment, and Sealed Roof Deck/Secondary Water Resistance (the backup water barrier under the roofing).

Older homes tend to gain the most. On a house permitted before the Florida Building Code took effect on March 1, 2002, a tear-off must add deck re-nailing where the nailing falls short and a secondary water barrier (Florida Building Code, Existing Building, Section 706.7, 8th edition, 2023; Florida Statutes section 553.844(3)).

So how much will it save?

Nobody can give you a real number before your inspector and insurer do. Our page on wind mitigation inspection savings covers what credits are worth, what each answer on the form means, and how to book the inspection.

Aerial view of a neighborhood home with a new shingle and metal roof
A neighborhood home with a new shingle and metal roof, seen from the air. November 2025.
Metal, tile or shingle

Does the roof material change my rate?

Not on the wind mitigation form, which asks whether the roof meets the Florida Building Code, not what it's made of. Material can still matter for Citizens' age limits and for some roof-age discounts.

The 1802 form lists shingle, tile and metal side by side, and its top roof covering answer is the same for each: a covering that meets the Florida Building Code. Citizens' discount page lists "FBC-equivalent asphalt shingles," "FBC clay tiles" and "All other FBC-equivalent roof coverings," so metal falls in the catch-all line rather than getting its own. Ask your agent what your insurer credits each.

Material does count for age. Citizens gives shingle roofs 25 years before it asks for proof of remaining life, and tile and metal roofs 50. The consumer advocate also says a roof discount depends partly on "the type of roof."

Weighing materials? Read how Florida insurers view metal and shingle roofs and check what a metal roof costs in Florida before you decide.

Aerial view of a white standing seam metal roof with solar panels
A white standing seam metal roof with solar panels, seen from the air.
After the new roof

What do I need to send my insurer after a new roof?

A new wind mitigation report from a licensed inspector, plus proof of when the roof was finished. Send them to your agent and ask for a re-rate. Your premium won't change until the insurer has them.

  1. Keep the roof paperwork

    Hold on to the permit and its final inspection, the invoice and the product approval numbers. The completion date is your roof's new age for insurance.

  2. Get a new wind mitigation report

    The form stays valid only if "no material changes have been made to the structure," and a new roof is one. After every replacement, we coordinate a licensed wind mitigation inspector, who completes and signs the form. We don't sign it.

  3. Send it to your agent and ask for a re-rate

    Ask your agent to update the roof year on your policy at the same time.

  4. Check the hurricane line at renewal

    Section 627.0629(4) requires your premium notice to show the hurricane premium separately, so compare it before and after the new roof. If nothing moved, ask why, or have an independent agent shop the policy.

Set your expectations

On a home that already earns strong wind credits, the change may be small. We're a licensed roofing contractor (license CCC1331076), not a lawyer, a public adjuster, or an insurance agent. Read your own policy, and ask your agent or another licensed professional for advice on your situation.

Worth it?

Is it worth replacing a roof just to lower insurance?

Rarely, on its own. Replace a roof because it's near the end of its life or because it's putting your coverage at risk. Any premium drop after that is a bonus, and its size depends on your insurer and your house.

A sound roof with good years left is usually worth keeping. A new roof makes sense when:

  • The roof is worn out or storm damaged past a sensible repair.
  • Your insurer has flagged its age or condition, or a renewal is at risk.

Wait when the roof is young and sound, or when your agent can't say what a new roof would change on your policy. Ask that question first, then find out how much life your roof has left. Our roof inspection is Free, drone-assisted, and comes with a written photo report you keep, with no trip fee and no diagnostic fee. Book it through our free roof inspection page or call (941) 896-7793.

If it's time, our roof replacement service comes with a line-by-line estimate good for 30 days, a 5-year workmanship warranty, and financing through Ygrene and Synchrony Bank for qualified homeowners.

Reviews

Homeowners on new roofs, insurance deadlines and straight answers

★★★★★
"Unlike other roofing companies, Coastline worked with me to survive the insurance nightmare of Hurricane Ian. ... Coastline made my house and my insurance deadline a priority."
TL O.Hurricane Ian roof replacement, Florida Gulf Coast
★★★★★
"Josh was extremely professional and walked me through every aspect of what he found with my roof. ... Extremely happy with the final product."
Casey S.Roofing customer, Florida Gulf Coast
★★★★★
"From start to finish, the experience was absolutely amazing. The team arrived on time, worked with great attention to detail, and made sure everything was done perfectly. Their professionalism, honesty, and hard work really stood out."
William R.Roofing project, Florida Gulf Coast
Keep reading

More on new roofs and your premium

Wind Mitigation Savings

What the credits are worth, what each answer on form OIR-B1-1802 means, and how to book the inspection.

See what wind credits save →

Roof Replacement

How we replace a roof, with a 5-year workmanship warranty, a line-by-line estimate, and financing for qualified homeowners.

Plan your new roof →

Non-Renewal Over Your Roof

What Florida law says about roof-based non-renewals, and what to do in the first week after the letter arrives.

Read the non-renewal steps →

Comparing materials? See metal vs. shingle for Florida insurance. Selling soon? Read whether to replace your roof before you sell, or send us a question about your roof.

FAQ

More questions about new roofs and insurance

My roof is 12 years old. Will replacing it lower my premium?

Maybe a little, but that alone rarely justifies a new roof. At 12 years, section 627.7011(5)(b) already bars a refusal based solely on age. A roof-age discount, where offered, typically may only apply to roofs under 10 years old, so a new roof could put you back in range at some companies. Ask your agent what it's worth first.

My house is newer. Will a new roof still earn wind credits?

It may add little. Citizens says that if your building qualifies for its FBC Compliance discount, "you already receive discounts for roof construction." The Section 706.7 re-nailing rule also applies only to homes permitted before the Florida Building Code. Ask your agent whether your policy has that discount, and still get a new wind mitigation report after the roof goes on.

Does roof age change my roof deductible?

Florida's roof deductible law doesn't mention roof age. Section 627.701(10) lets an insurer add a separate roof deductible, capped at the lesser of 2 percent of your dwelling coverage or 50 percent of the cost to replace the roof. It doesn't apply to roof losses from a hurricane, among other exceptions, and a policy that has one must include a premium credit for it. Your declarations page shows whether yours does.

Will you send the paperwork to my insurance company?

You or your agent send it. After every replacement we line up a licensed wind mitigation inspector and hand them the permit, the product approval numbers and our install photos. We don't use assignment of benefits agreements, so your policy and any claim stay in your hands.

Sources

  1. Florida Statutes (2026): Section 627.7011, homeowners' policies and roof age
  2. Florida Statutes (2026): Section 627.0629, residential property insurance rate filings
  3. Florida Statutes (2026): Section 553.844, windstorm loss mitigation and requirements for roofs
  4. Florida Statutes (2026): Section 627.701, deductibles
  5. Florida Office of Insurance Regulation: Uniform Mitigation Verification Inspection Form, OIR-B1-1802 (Rev. 04/26)
  6. Florida Department of Financial Services, Insurance Consumer Advocate: Tips For Shopping For Homeowners Insurance
  7. Florida Department of Financial Services, Insurance Consumer Advocate: Property Insurance Changes
  8. Florida Department of Financial Services, Division of Consumer Services: Homeowners Insurance Overview
  9. Citizens Property Insurance: Discounts
  10. Citizens Property Insurance: Inspections
  11. Alachua County: Roofing Replacement, Residential (transcription of Florida Building Code, Existing Building, 8th edition (2023), Section 706.7)

Know your roof's real condition before you call your agent

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