Does Insurance Cover Roof Replacement in Florida? What Homeowners Should Know
- Honest Roofing FL
- Oct 14
- 4 min read
One of the most common questions Florida homeowners ask after a storm is:
Does insurance cover roof replacement in Florida?
Because our state faces hurricanes, tropical storms, and year-round sun exposure, roof damage is practically inevitable. Whether your insurer covers a full replacement or just partial repairs depends on your policy, the cause of the damage, and how quickly you take action.
This guide from Honest Roofing FL explains exactly what’s covered, what isn’t, and how to make sure you get the most from your insurance when roof damage happens.
Understanding Roof Replacement Coverage Basics
1. Dwelling Coverage & Roof Replacement
Most Florida homeowner’s insurance policies provide “dwelling coverage” — protection for the structure of your home, including the roof. However, that coverage only applies when the roof damage is caused by a covered peril, such as:
Windstorms or hail
Fire
Falling objects
Vandalism
Damage from age, neglect, or general wear and tear is typically not covered. If your roof was already failing before a storm hit, insurers may deny your claim.
2. Actual Cash Value vs. Replacement Cost
Your payout depends on whether your policy covers roofs under Actual Cash Value (ACV) or Replacement Cost Value (RCV) terms:
ACV: You’ll receive payment for the roof’s depreciated value.
RCV: You’ll receive enough to replace your roof with new materials (up to your coverage limits).
For older roofs in Florida, insurers increasingly switch to ACV policies, especially after hurricane seasons.
3. Roof Age & Policy Restrictions
Many insurers limit coverage for roofs over 15 or 20 years old. Even if a storm damages the roof, you may only receive partial payment or have to meet a higher deductible.
Understanding these limitations can help you prepare before hurricane season strikes. You can read more about Florida’s insurance requirements in our detailed guide:👉 Florida Roof Insurance Requirements: A Quick Guide
When Insurance Denies Roof Replacement
It’s frustrating, but not uncommon, for insurers to deny roof replacement claims. Here are the top reasons:
Pre-existing wear or lack of maintenance
Improper installation
Failure to document the damage properly
Roof age exceeding policy limit
Claim filed after the deadline
Uncovered cause (like rot, mold, or neglect)
If you face a denial, don’t panic — there are steps to appeal or reopen your claim, especially with clear documentation.
How to Strengthen Your Roof Replacement Claim in Florida
1. Document Everything Immediately
As soon as it’s safe, take photos and videos of the damage. Include wide shots, close-ups, and interior water stains if present. Documenting immediately after a storm gives you stronger evidence when submitting your claim.
2. Get a Professional Roof Inspection
Hire a licensed Florida roofer to inspect your roof and provide a written report. Honest Roofing FL can assess damage, document wind uplift, and estimate repair or replacement costs.
If you’re unsure how to start, see our full walkthrough on 👉 How to File a Roof Insurance Claim in Florida
3. Understand Your Policy Details
Carefully review your policy for:
Deductibles
Roof coverage type (ACV vs RCV)
Exclusions
Ordinance & Law coverage for code upgrades
That last one is especially important in Florida because new building codes often require upgrades during roof replacement.
4. File Quickly and Follow Guidelines
Most insurers give you a short window to file — sometimes as little as 14 to 30 days after the event. File immediately, attach your inspection report, and keep all receipts for temporary repairs.
5. Consider a Professional Advocate
If you’re denied coverage, contact a public adjuster or roofing contractor experienced with Florida claims. Many denials are overturned after additional documentation or inspections.
Real-World Example: Roof Replacement After a Hurricane
Let’s say your 12-year-old asphalt shingle roof suffers heavy wind damage during a tropical storm. The insurer confirms wind as the cause (a covered peril) and your policy is RCV-based. In this case, the insurer should pay for a full roof replacement — minus your deductible.
However, if your roof was 25 years old with curling shingles before the storm, the insurer may only offer a partial payout or deny the claim entirely, citing maintenance issues.
How to Protect Your Roof Before Hurricane Season
Prevention is one of the best forms of insurance. Regular inspections, clean gutters, and secure flashing help reduce risk — and make future claims easier.
Our expert tips for preparing your home before storm season can be found here:👉 Protecting Your Home During Hurricane Season: Roofing Tips for Florida Homeowners
Bottom Line: Yes, But It Depends
So, does insurance cover roof replacement in Florida?
✅ Yes — when damage comes from a covered peril such as wind or hail.
❌ No — if the roof fails due to age, neglect, or wear and tear.
To ensure you’re covered:
Keep your roof maintained and inspected annually.
Understand your policy type (ACV vs RCV).
File claims immediately after storms.
Work with a licensed Florida roofing professional to document everything.
In Summary
Florida homeowner’s insurance can cover roof replacement, but eligibility depends on cause, roof age, and proper documentation. Partnering with a trusted roofing expert like Honest Roofing FL ensures you receive accurate inspections, detailed reports, and professional support during the insurance process.
Your roof protects your home — and understanding your policy protects your wallet.
