LOCAL RULES: FLA. STAT. 627.7011

Florida roof inspection report requirements

Your Florida roof inspection report has 4 rules to meet. ReportDraft puts every one on your checklist and checks your draft before you sign.

  • The inspector's estimate of remaining useful life (5 years or more matters to the insurer)
  • An inspector the insurer approves, with the license the law lists
  • The date the whole roof was last built or replaced
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In Florida, a roof inspection often decides whether a homeowner can keep or buy insurance. State law limits when an insurer can refuse a policy because of roof age, says who may inspect, and defines how roof age is counted. Here is each rule with a link to the official statute, and what a Florida roof report should record.

Last reviewed October 12, 2026 against the official sources listed below.

Roof inspectionFLORIDA / SAMPLE

Sample notes, 125 words

Client: Maria Delgado
2215 Palmetto Ave
Date: 10/07/2026 9am, sunny, roof dry
Inspector: Kevin Brandt
License: RC-29117
...
FREE PREVIEW OF THESE NOTES
93%of your draft is ready from these notes

We sorted 15 items into 7 sections and flagged 2 to fix soon.

  • Fix soonFlashing and penetrations

    Plumbing vent boot on rear slope cracked

  • Fix soonGutters, edges and drainage

    Gutters full of leaves at the back, downspout extension missing at the left corner

  • Worth watchingRoof covering

    Light granule loss, no exposed mat

4 Florida rules on your checklist, including the inspector's estimate of remaining useful life (5 years or more matters to the insurer).

Still to add

  • NeededRoof covering type

Filled in for you

Client nameMaria Delgado
Property address2215 Palmetto Ave
Inspection dateOct 7, 2026
Inspector nameKevin Brandt
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What Florida requires

  • An insurer may not refuse to issue or refuse to renew a homeowner's policy on a residential structure with a roof less than 15 years old solely because of the roof's ageFla. Stat. 627.7011 (5) (b) (2026)
  • For a roof at least 15 years old, the insurer must let the homeowner have a roof inspection by an authorized inspector, at the homeowner's expense, before requiring the roof to be replaced as a condition of issuing or renewing a homeowner's policy; if that inspection indicates the roof has 5 years or more of useful life remaining, the insurer may not refuse to issue or renew solely because of the roof's ageFla. Stat. 627.7011 (5) (c) (2026)
  • An authorized inspector is one approved by the insurer who is a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor or a roofing contractor, a licensed professional engineer, a licensed architect, or another person or entity the insurer recognizes as qualified to complete a general inspection of an insured residential structureFla. Stat. 627.7011 (5) (a) (2026)
  • A roof's age is counted from the last date on which 100 percent of the roof's surface area was built or replaced under the building code then in effect, or from the first date of a partial replacement when later partial replacements together covered 100 percent of the roofFla. Stat. 627.7011 (5) (d) (2026)
  • These roof age rules apply to homeowners' insurance policies issued or renewed on or after July 1, 2022; they do not apply to mobile home policies or to policies not commonly understood as homeowners' policiesFla. Stat. 627.7011 (5) (e), (6) (a), (b) (2026)
  • When an existing roofing system or roof section was built, repaired or replaced under the 2007 Florida Building Code or a later edition and 25 percent or more of it is being repaired, replaced or recovered, only the portion being repaired, replaced or recovered has to meet the Florida Building Code in effect; local governments may not amend this exceptionFla. Stat. 553.844 (5) (2026)
  • For site-built single-family homes, a roof replacement must incorporate secondary water barrier techniques and the strengthening or correction of roof-decking attachments and fastenersFla. Stat. 553.844 (2) (b) 2., 4., (3) (a) (2026)
  • A contractor may not offer a residential property owner a rebate, gift, gift card, cash, coupon, waiver of an insurance deductible or anything else of value in exchange for allowing the contractor to inspect the roof or for making an insurance claim for roof damageFla. Stat. 489.147 (2) (b) (2026)
  • A contractor may not interpret policy provisions, advise an insured about coverages or duties under a property insurance policy, or adjust a property insurance claim for the insured, unless the contractor is also a licensed public adjusterFla. Stat. 489.147 (2) (d) (2026)

Roof age and insurance

An insurer may not refuse to issue or renew a homeowner's policy solely because of roof age when the roof is less than 15 years old. For a roof 15 years or older, the insurer must let the homeowner get a roof inspection by an authorized inspector, at the homeowner's own cost, before requiring a new roof. If the inspection shows 5 years or more of useful life remaining, the insurer may not refuse to issue or renew solely because of the roof's age.

These rules apply to homeowners' policies issued or renewed on or after July 1, 2022. They do not apply to mobile home policies.

Who may inspect, and how roof age is counted

The inspector must be approved by the insurer and be a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor or a roofing contractor, a professional engineer, an architect, or someone else the insurer recognizes as qualified. The report should show the inspector's license or certification number.

Roof age runs from the last date the whole roof surface was built or replaced under the building code of the time. When the roof was replaced in sections, it runs from the first partial replacement once later jobs together covered the whole roof. A Florida roof report should give that date, any partial replacements, and the inspector's own estimate of remaining useful life.

Repairs, replacements and contractors

When a roof built or replaced under the 2007 Florida Building Code or later needs 25 percent or more repaired, replaced or recovered, only that portion has to meet the current code. A full roof replacement on a site-built single-family home includes a secondary water barrier and strengthened roof-deck attachment.

Contractors may not offer gifts, cash, deductible waivers or anything of value for letting them inspect a roof or for filing a roof claim, and may not interpret a client's policy or advise on coverage unless they are licensed public adjusters. A roof report describes the roof's condition and leaves coverage questions to the insurer.

Common mistakes

  • Counting roof age from a partial reroof instead of the last full replacement.
  • Leaving out the inspector's license or certification number.
  • Giving no estimate of remaining useful life when the report is for an insurer.
  • Saying in the report that damage is or is not covered by insurance.
  • Inspecting only from the ground without saying so in the report.

Sources

Last reviewed October 12, 2026. Next review due January 12, 2027. This page explains published rules to help you write your report. It is not legal advice; the official text linked above governs.