Your Roof. Your Rights.
Your Insurance Guide.
Florida law protects homeowners from losing insurance solely because of roof age. This resource center gives you everything you need: the laws, the carrier types, the documentation templates, and the steps to protect your coverage. Whether you're facing a non-renewal notice or want to get ahead of one, start here.
Florida Law Is on Your Side
Florida has passed multiple laws protecting homeowners from losing insurance solely because of roof age. Here's exactly what each one does.
The Foundation: Condition Over Age
Insurers cannot refuse to issue or renew a homeowner's policy solely because of roof age if the roof is under 15 years old.
For roofs 15 years or older, insurers must allow you to get a roof inspection before requiring replacement as a condition of coverage.
If that inspection shows your roof has at least 5 years of remaining useful life, the insurer cannot deny or non-renew your policy based on roof age alone.
A roof's age is calculated from the last date 100% of the roof surface was built or replaced per building code at that time.
Expanded Inspector Access
Licensed roofing contractors are now included as authorized inspectors who can certify your roof's remaining useful life.
This expands homeowner options beyond just engineers and home inspectors for getting the certification carriers must accept.
Even Broader Inspector Pool & Roof Type Distinctions
Further expands authorized inspectors to include home inspectors, building code inspectors, general/building/residential contractors, roofing contractors, professional engineers, and architects.
Requires insurers to differentiate between low-slope roofs (2-inch pitch or less) and steep-slope roofs (more than 2-inch pitch) when evaluating coverage.
For steep-slope roofs, carriers cannot deny coverage if an inspector certifies 5+ years of remaining useful life.
Strengthened Protections
Prohibits insurers from refusing policy renewals based solely on roof age for property insurance policies, expanding protections beyond just homeowner policies.
Reinforces the condition-based standard over arbitrary age cutoffs.
BOTTOM LINE
Florida law has shifted from age-based to condition-based roof evaluation. Your roof's actual condition, not its birthday, is what determines whether you keep your insurance. Peak 301 restores your roof to a condition that supports the certification these laws require.
Understand Your Insurance Carrier
Not all insurance carriers handle roof age the same way. Knowing which type you're dealing with determines your best strategy.
Condition-Based Carriers
These carriers evaluate your roof based on its actual condition, not just its birthday. If a licensed inspector certifies your roof has 5+ years of remaining useful life, they will issue or renew your policy regardless of roof age.
WHAT THIS MEANS FOR YOU
This is where Peak 301 + a certified inspection is most powerful. You treat the roof, get the certification, and the carrier must accept it under Florida law.
HOW TO IDENTIFY THIS CARRIER TYPE
Ask your insurance agent: 'Does your carrier accept a certified roof inspection showing remaining useful life for roofs over 15 years old?' If yes, you're working with a condition-based carrier.
7 Steps to Protect Your Coverage
Follow these steps in order. Each one builds on the last.
Check Your Roof Age
Find out when your roof was last fully replaced. Check your closing documents, permit records (available through your county property appraiser), or previous inspection reports. This date determines where you stand with your carrier.
Review Your Policy
Read your current homeowner's insurance policy. Look for language about roof age requirements, coverage type (Replacement Cost vs. Actual Cash Value), and any upcoming renewal dates. Know what you're working with before you act.
Call Your Insurance Agent
Ask your agent the three key questions: What is the carrier's roof age threshold? Do they accept certified roof inspections? What documentation do they need to renew your policy? Write down the answers.
Get a Roof Assessment
Contact JR One for a professional roof assessment. We'll inspect your roof's condition, determine if it's a candidate for Peak 301 rejuvenation, and give you a clear, honest recommendation, including telling you if your roof needs replacement instead.
Peak 301 Treatment
If your roof qualifies, our crew applies Peak 301 in a single day. The soy-based sealant penetrates your shingles and begins restoring flexibility and waterproofing immediately. No demolition, no debris, no multi-day disruption.
Get Your Certification
After treatment, a licensed authorized inspector evaluates your roof and issues a Remaining Useful Life (RUL) certification, the documentation Florida law requires carriers to accept. We coordinate this entire step for you.
Submit to Your Insurer
Provide the RUL certification to your insurance agent or carrier. Under Florida law, they cannot refuse to issue or renew your policy solely because of roof age when this documentation shows 5+ years of remaining life.
Your Insurance Toolkit
Free documents you can download, print, fill in, and use immediately. Available in English and Spanish.
Letter to Your Insurance Company
A professional template you fill in with your name, policy number, and attach your RUL certification. Formatted to clearly cite Florida Statute 627.7011 and request continued coverage.
Florida Homeowner Roof Insurance Rights
A one-page summary of your legal rights under SB 2D, HB 1611, SB 808, and HB 815. Written in plain language, not legal jargon. Includes the exact statute references so your agent can verify.
What to Expect After Peak 301 Treatment
A clear, step-by-step guide covering what happens during application, what your roof will look like afterward, the timeline for full penetration, and the warranty documentation you'll receive.
Peak 301 Treatment Certificate
The official JR One treatment certificate documenting your roof has been professionally rejuvenated. Includes treatment date, product details, warranty terms, and your property information. Designed to be submitted alongside your RUL certification.
Questions to Ask Your Insurance Agent
Print this list. Call your agent. Write down the answers. Knowledge is your best defense.
Insurance & Peak 301 Questions
Protect Your Roof and Your Insurance
Don't wait for a non-renewal letter. Call us today for a professional roof assessment and find out if Peak 301 can save your coverage, and save you thousands.
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Disclaimer: The information on this page is provided for educational purposes and is not legal advice. While we cite Florida statutes accurately, insurance coverage decisions involve many factors beyond roof age. We recommend consulting with a licensed insurance agent and/or attorney for guidance specific to your policy and situation. JR One Aluminum LLC is a Peak 301 authorized applicator. We are not an insurance company, insurance agent, or legal firm. Statute references are current as of 2026 and may be subject to legislative changes.