Closing Day vs. Moving Day — What Every Homebuyer Should Know For many eager homebuyers, the closing day. The short answer: Yes, a 15-year-old roof can still be insured in Florida, but there are key rules, exceptions, and strategic considerations that you should understand.
What Happens Once a Roof Reaches 15 Years Old?
Florida law protects homeowners by preventing insurance companies from denying coverage solely based on roof age—if the roof is under 15 years old. Once it hits 15, however, the rules shift
If your roof is 15 years or older, you may want to consider replacing it before listing. Here’s why:
Buyers are reluctant to buy a home with an older roof and may not even choose to look at your home. They may even pick a home that isn’t as good a fit for them, in favor of a home with a new roof.
Buyers tend to overestimate replacement costs, potentially offering you thousands less than your asking price.
A newer roof boosts both curb appeal and buyer confidence.
Inspections Buyers Typically Get in Florida
Buyers usually order three main inspections:
General Home Inspection
Wind Mitigation Inspection
4-Point Inspection (evaluates Roofing, HVAC, Electrical, and Plumbing)
These inspections are performed by licensed professionals. If the roof is found to have at least five years of remaining life, insurance cannot be denied based on age. However, even with a good inspection, buyers may still push for concessions or price reductions due to the future
cost of roof replacement.
