{
 "question": "Can I sell with an old roof or no insurance?",
 "url": "https://shenandoahmiami.com/answers/old-roof-or-no-insurance/",
 "answer": "No Florida rule found requires a new roof or a current policy to sell; the roof decides what a buyer can insure. In Florida, an insurer may not refuse a homeowner's policy solely for roof age under 15 years, or at 15 years or older if an inspection shows 5 or more years of useful life (Fla. Stat. §627.7011(5)).",
 "short": "Roof age 15 years",
 "category": "Selling",
 "dateModified": "2026-10-30",
 "dataThrough": "2026-09-28",
 "author": {
  "name": "Gatien Salaun",
  "brokerage": "Coldwell Banker Realty",
  "license": "SL3347568",
  "url": "https://shenandoahmiami.com/about/"
 },
 "attribution": "Based on information from the Southeast Florida Multiple Listing Service (SEFMLS) or from MIAMI Association of REALTORS® for the period September 27, 2022 through September 28, 2026. Data is deemed reliable but is not guaranteed accurate by the MLS and may not reflect all real estate activity in the market.",
 "table": {
  "caption": "Florida roof rules for homeowner insurance, checked October 29, 2026. Citizens lists exceptions to its age rules.",
  "columns": [
   "Roof situation",
   "Rule",
   "Source"
  ],
  "rows": [
   [
    "Roof under 15 years old",
    "Insurer may not refuse to issue or renew solely because of roof age",
    "§627.7011(5)(b)"
   ],
   [
    "Roof 15 years or older",
    "Homeowner may get an inspection before the insurer requires replacement; no refusal on age alone if the inspection shows 5 or more years of useful life",
    "§627.7011(5)(c)"
   ],
   [
    "Roof built or repaired under the 2007 Florida Building Code or later",
    "If 25% or more is repaired or replaced, only the repaired or replaced portion must meet current code",
    "§553.844(5)"
   ],
   [
    "Citizens, shingle or other roofs",
    "Documentation of full roof replacement when more than 25 years old",
    "Citizens FAQ"
   ],
   [
    "Citizens, tile, slate, clay, concrete or metal roofs",
    "Same documentation when more than 50 years old",
    "Citizens FAQ"
   ],
   [
    "Citizens, roofs past those ages",
    "Can qualify with documentation of at least 5 years of remaining useful life",
    "Citizens FAQ"
   ]
  ]
 }
}