Answers / Selling
Can I sell with an old roof or no insurance?
Direct 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)).
Fla. Stat. §§627.7011(5) and 553.844(5), Citizens Property Insurance public pages, 42 U.S.C. §4012a and FEMA flood hazard data, checked October 29, 2026. An insurance agent confirms eligibility for one property. These rules govern what a buyer can insure. · Methodology
What are the numbers behind it?
| Roof situation | Rule | Source |
|---|---|---|
| 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 |
Source: SEFMLS / MIAMI REALTORS®, 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. Totals and medians only, no client names or addresses. Properties counted were listed or sold by various MLS participants, not necessarily by Gatien Salaun or Coldwell Banker Realty.
In more detail
Does a mortgage lender require flood insurance in Shenandoah?
Federal law requires flood insurance on loans from regulated lenders for buildings in a Special Flood Hazard Area. All 14 sampled points in Shenandoah fall in FEMA Zone X, an area of minimal flood hazard, which is not a Special Flood Hazard Area. The FEMA Flood Map Service Center shows one lot.
Does the 25% roof rule apply to every roof?
No. It applies to roofs built, repaired or replaced under the 2007 Florida Building Code or later. Local governments may not amend it.
How was this counted?
Counted from the same MLS data as every figure on this site, for the stated window and boundary. Medians are withheld below 5 closings.
Canonical facts: Boundary