top of page

Understanding Recent Roofing Rule Changes in Florida

Updated: Dec 22, 2023

In the sunny state of Florida, homeowners are no strangers to the importance of a durable and reliable roof that can withstand the region's unpredictable weather. As such, changes in roofing regulations can significantly impact homeowners' choices and insurance coverage. As a matter of fact, the beginning of 2022 saw an influx of news stories reporting that many insurers were dropping homeowners and refusing to renew their policies simply based on the age of the home’s roof, regardless of the true condition of the roof. This has left many homeowners confused about the status of their roof, and has created apprehension for potential homeowners that are interested in moving into the state.

In this article, we'll provide clarity on the recent roofing rule changes in Florida, and how they affect homeowners.

1. The 2019 Florida Building Code Update:

What is the significance of the 2019 Florida Building Code update concerning roofing requirements? Recent updates introduced new guidelines aimed at enhancing the resilience of residential properties against severe weather events, including hurricanes and tropical storms, which are common occurrences in the state.

The updated code emphasizes the use of stronger roofing materials that can better withstand high winds and impact from flying debris. As a result, Florida homeowners are encouraged to consider roofing materials with superior wind resistance ratings, such as metal roofing.

2. Impact on Insurance Coverage:

The recent rule changes have significant implications for homeowners' insurance coverage in Florida. Insurance companies now place greater emphasis on the type of roofing material used and its ability to withstand severe weather conditions. As noted in the article, homes with roofing materials that meet the updated Florida Building Code requirements may qualify for lower insurance premiums or potential policy discounts.

On the other hand, homeowners with older or less wind-resistant roofing materials may face increased insurance costs or, in some cases, even be denied coverage altogether. This makes it crucial for Florida homeowners to stay informed about the latest roofing regulations and to invest in roofing upgrades if necessary.

As reported by the Tampa Bay Times, “Companies would be blocked from denying coverage because of a roof’s age if the roof is less than 15 years old. And for roofs that are older than 15 years, insurers would have to allow homeowners to have an inspection on the roof’s condition before refusing coverage. If the inspection shows the roof has five or more years of useful life left, the insurance company could not reject coverage simply because of age.”

3. Metal Roofing: A Preferred Choice:

In light of the new roofing regulations, metal roofing has emerged as a preferred choice for homeowners in Florida. Metal roofs offer exceptional durability and wind resistance, making them an ideal option for the region's hurricane-prone climate.

Metal roofing's impressive lifespan of 50-70 years, as well as its resistance to fire and impact, aligns well with the updated building code requirements. Homeowners who opt for metal roofing can enjoy long-term cost savings, improved insurance coverage, unparalleled product warranties, and peace of mind knowing their homes are better protected against the elements.


The recent roofing rule changes in Florida reflect the state's commitment to improving the resiliency of residential properties against severe weather events. Homeowners are encouraged to stay informed about the updated Florida Building Code requirements and make necessary roofing upgrades to ensure compliance and maximize insurance benefits.

Metal roofing stands out as a top choice, offering durability, wind resistance, and sustainability – qualities that align well with the new regulations. By embracing these changes and investing in quality roofing materials, Florida homeowners can safeguard their homes, save on insurance costs, and contribute to a safer and more sustainable living environment.

Interested in getting a quote for a metal roof on your home? Get a free online quote by clicking here.

Article Source: Worth Insurance Group

54 views0 comments
bottom of page