New Laws in Florida Affect Roofing and Insurance Claims

There are new laws in the state of Florida that affect roofing insurance claims. The laws were passed, and are effective as of July 1, 2021. As a result, insurance claims for roofing, construction, and home repair are expected to increase across the state.

These are the changes made to the new law:

  • Property insurance, supplemental insurance, or reopened claims must be filed by homeowners within two years

  • A roof less than ten years old must be fully covered by the insurance company.

  • An insurance company may reduce coverage for a roof that is more than 10 years old based on its type and age.

  • Property owners must give insurance companies 60 days’ notice before they file a lawsuit.

  • The fees that can be collected by an attorney who files a suit on behalf of a roofing contractor are limited.

  • Insurers can offer homeowners roof coverage up to a certain state limit.

  • Roofers cannot solicit business door-to-door.

  • Contractors cannot offer homeowners incentives.

  • Referrals are not an incentive for contractors.

What Are the Effects of These Changes on Homeowners?

The time it takes for homeowners to file an insurance claim is limited. The homeowner has two years to file an insurance claim with their insurer. The law is designed to protect homeowners from lawsuits that could raise their insurance premiums. Insurance companies that are facing lawsuits will pass these legal costs onto their customers by increasing their insurance rates. The law changes are intended to lower homeowners’ insurance premiums. But not all agree that the law will ensure that homeowners’ premiums drop in the long term.

This article was written by a roofing professional at At, we’re determined to be the only one you need to hire for the entire lifespan of your new roof. We take a modern, professional approach to the roofing business in order to ensure our customers in St. Petersburg and the Central Florida region have the best possible experience whenever they choose us.