Westfall Roofing helps Florida homeowners understand when an aging roof could affect coverage, what the 15-year rule means and when an inspection can help.
TAMPA, FL, UNITED STATES, September 9, 2026 /EINPresswire.com/ — With rising premiums and tighter underwriting standards affecting Florida property owners, a recurring question dominates online searches and continues to cause uncertainty: “Will my insurance drop me because of my roof’s age?”
The brief response is more complex. State law extends key safeguards to homeowners. According to Florida Statute 627.7011, an insurance company cannot decline to provide or renew a homeowner’s policy strictly due to a roof being under 15 years old. When a roof hits the 15-year mark, the insurer must allow the policyholder to arrange for an evaluation by an authorized inspector, paid for by the homeowner, before mandating a roof replacement as a prerequisite for coverage. Should that evaluation show the roof still has five years or more of useful life left, the insurer cannot reject the policy or non-renew it solely because of the roof’s age.
“What we’re noticing is that roof condition and proper documentation have become significantly more critical for Florida homeowners, especially as roofs get older,” stated Ryan Westfall, President of Westfall Roofing. “A roof that is 15 or 20 years old does not automatically require replacement or mean a homeowner will lose their coverage. However, insurers may have varying underwriting criteria, and the roof’s actual physical state plays a major role.”
Westfall noted that asphalt shingle roofs typically undergo stricter examination as they age, whereas more durable options like tile and metal could be assessed differently based on their state and the provider’s underwriting standards.
Under Florida law, roof age is typically determined from the most recent date when 100 percent of the roof surface was constructed or replaced following the building code in force at that time. The legal protections regarding roof age also do not prohibit an insurer from making coverage choices based on other legitimate underwriting factors.
“For property owners, the largest error is believing the roof’s age tells the whole story,” Westfall said. “What truly counts is understanding the roof’s condition and having documentation to back it up. A professional roof inspection can determine its remaining useful life, record its state, and provide homeowners with better information when they talk to their insurance agent or carrier.”
To ease some of that uncertainty, Westfall Roofing provides homeowners with a complimentary roof-age and condition assessment. This evaluation is intended to give property owners a clearer understanding of their roof’s age, current state, and likely remaining useful life before they encounter an insurance renewal or underwriting problem.
“This isn’t about telling every homeowner they need a new roof,” Westfall said. “It’s about giving them information before a problem arises. If the roof is in good shape, they should be aware of that. If there are issues that might cause concerns at renewal time, it’s better to catch them early so the homeowner has time to explore their options.”
For homeowners approaching a renewal with an older roof, Westfall suggests having the roof inspected before an insurance issue arises, rather than waiting for a notice from the carrier. Knowing the roof’s age, condition, and estimated remaining useful life can help property owners understand their choices and prevent a last-minute scramble if additional documentation is required.
For more information: https://www.westfallroofing.com/
About Westfall Roofing
Established in the Tampa Bay region in 1989 as Westfall Construction by Kirk Westfall, Westfall Roofing has evolved from a family-run enterprise into one of Florida’s most highly regarded residential roofing firms. The company expanded across generations, with son Ryan Westfall joining the business in 2008 and later assuming the role of president, guiding its growth throughout Central and Southwest Florida. Westfall Roofing is regularly listed among the nation’s premier roofing contractors and holds the designation of an Owens Corning Platinum Preferred Contractor, a status achieved by fewer than 1% of roofing companies nationwide. With decades of experience inspecting, repairing, and replacing roofing systems across Florida, Westfall frequently advises homeowners on roof upkeep, storm readiness, manufacturer warranty obligations, and best practices for extending the lifespan of asphalt shingle, tile, and metal roofing systems.
Ryan Westfall
Westfall Roofing
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