Roof Age, Insurance Non-Renewal, and What to Do in Orlando
Roof age insurance non-renewal is one of the most common reasons Orlando homeowners lose coverage, with most carriers flagging asphalt shingle roofs once they pass 15 to 20 years old.
By Jason Green · Roofing & Gutters · Published August 17, 2026 · 9 min read
Why Insurers Non-Renew Based on Roof Age
Florida property insurers, including Citizens Property Insurance and many private carriers writing policies in Orange County, use roof age as a core underwriting factor because older roofs fail more often during hurricane-season wind events. A 20-year-old shingle roof in Orlando has typically absorbed two decades of intense UV exposure and summer storms, which shortens its remaining wind resistance even if it looks intact.
Tile roofs get more leeway, often to 25-30 years, because the tile itself outlasts shingles, but insurers still scrutinize the underlayment beneath it.
The Non-Renewal Timeline: What Happens and When
Step one: your insurer sends a non-renewal notice, which Florida law requires at least 45 days before your policy expiration date, explaining the roof-age reason. Step two: within that 45-day window, you can request a roof inspection or certification showing five or more years of remaining useful life, which some carriers will accept to reverse the decision.
Step three: if the roof cannot be certified, you have until the expiration date to secure replacement coverage, either through a new private carrier, Citizens as a last resort, or by completing a roof replacement first and reapplying with proof of the new roof.
Step four: after replacing the roof, request a new wind mitigation inspection, since features like a sealed roof deck or hip roof shape can qualify you for meaningful premium credits with the new policy.
Options If Your Orlando Roof Is Aging Out
If replacement is not immediately affordable, a licensed roofer can sometimes issue a roof certification after minor repairs extend the estimated remaining life past the insurer's threshold. This is a short-term fix, not a substitute for eventual replacement.
Homeowners in older Orlando neighborhoods like Delaney Park or Colonialtown, where many houses still carry original 1990s-2000s shingle roofs, are seeing this non-renewal pattern most often right now. Our Orlando roofing guide breaks down current replacement costs by material if you are weighing that route.
Working With Your Agent
Talk to your insurance agent as soon as you get a non-renewal notice rather than waiting until the deadline. Agents can often identify which carriers in the Orlando market still accept roofs of your age and construction type, saving you from a lapse in coverage.
Typical cost ranges
| Roof certification inspection | $100 - $250 |
| Partial repair to extend roof life | $800 - $3,500 |
| Full shingle roof replacement (avg 2,000 sq ft) | $10,500 - $17,000 |
| Full tile roof replacement (avg 2,000 sq ft) | $18,000 - $30,000 |
| New wind mitigation inspection after reroof | $75 - $150 |
Ranges are general estimates gathered from homeowner-reported quotes, not an offer or a quote for your project.
Common questions
At what roof age do Orlando insurers typically non-renew?
Most carriers flag asphalt shingle roofs at 15-20 years and tile roofs at 25-30 years, though it varies by insurer.
How much notice must my insurer give before non-renewal?
Florida law requires at least 45 days written notice before the policy expiration date.
Can a roof certification stop a non-renewal?
Sometimes. If a licensed inspector certifies at least five years of remaining useful life, some carriers will reconsider.
Is Citizens Property Insurance an option if I am non-renewed?
Citizens can be a market of last resort in Florida if you cannot find private coverage, subject to eligibility rules.
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