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FLORIDA HOMEOWNER RIGHTS

Florida Roof Insurance
Resource Center

Florida insurers are dropping homeowners at record rates. But the law is on your side. Learn your rights under Senate Bill 2D and House Bill 1611 — and discover how Peak 301 roof rejuvenation can extend your roof's life and keep your coverage intact.

LEARN ABOUT PEAK 301CALL (844) 444-3114
BY THE NUMBERS

THE FLORIDA INSURANCE CRISIS

280%

Increase in policy non-renewals statewide

90,000+

Policies dropped by Citizens alone

$3,285–$5,100

Average Tampa Bay annual premium

5 yrs

Remaining useful life threshold for coverage

FLORIDA LAW

KNOW YOUR RIGHTS

These laws exist to protect you. Understand them.

LEGISLATION

Senate Bill 2D (2022)

Your roof age alone cannot disqualify you

  • Insurers cannot refuse to issue or renew a policy based solely on the age of your roof if it is under 15 years old.
  • For roofs 15 years or older, if a licensed inspector certifies 5 or more years of remaining useful life, the insurer cannot deny or non-renew your policy.
  • This law was designed to stop insurers from blanket-denying homes with older roofs that are still in good condition.
LEGISLATION

House Bill 1611 (2024)

Expanded inspection rights for homeowners

  • Expands inspector access — homeowners are no longer limited to insurer-selected inspectors.
  • You can hire your own licensed inspector to perform the roof assessment.
  • Strengthens consumer protections by ensuring fair, independent evaluations of roof condition.
PEAK 301

HOW PEAK 301 PROTECTS YOUR POLICY

Extend your roof's life. Defend your insurance.

01
STEP 01

INSPECT

We assess your roof's current condition and remaining useful life. If your roof has potential, Peak 301 can extend it.

02
STEP 02

TREAT

Peak 301 bio-based treatment restores flexibility to aging shingles, reverses granule loss, and extends roof life by up to 5+ years.

03
STEP 03

CERTIFY

You receive a treatment certificate documenting the work performed — evidence you can present to your insurer.

04
STEP 04

DEFEND

Combined with a licensed inspection showing 5+ years remaining life, you have the legal basis to challenge a non-renewal.

LEARN MORE ABOUT PEAK 301 →
FREE DOWNLOADS

DOWNLOADABLE RESOURCES

Print these, save them, share them with your insurance agent. Available in English and Spanish.

📄
Florida Roof Insurance Rights Guide
PDF • English
EN
📄
Guia de Derechos de Seguro de Techo
PDF • Espanol
ES
📄
Insurance Letter Template
PDF • English
EN
📄
Plantilla de Carta al Seguro
PDF • Espanol
ES
📄
Peak 301 Treatment Certificate
PDF • English
EN
📄
Certificado de Tratamiento Peak 301
PDF • Espanol
ES
📄
Peak 301 — What to Expect
PDF • English
EN
📄
Peak 301 — Que Esperar
PDF • Espanol
ES
FREE RESOURCES

DOWNLOAD YOUR GUIDES

Florida Insurance Rights

Know your rights under FL law

Insurance Letter Template

Template letter for your insurer

What to Expect

Peak 301 treatment process guide

Treatment Certificate

Sample treatment documentation

FAQ

INSURANCE & ROOF QUESTIONS

PROTECT YOUR HOME AND YOUR POLICY

Get a free roof assessment. We'll evaluate your roof's condition, discuss Peak 301 treatment options, and help you understand your insurance rights.

GET A FREE ROOF ASSESSMENTCALL (844) 444-3114