Florida SB 808: Sales Tax Holiday for Disaster Preparedness Supplies

Bill Text

808 
Roofing Requirements for Property Insurance 
2025-12-09T05:55:47Z 
Revising the definition of the term “authorized inspector” to include certain roof consultants and roof observers; prohibiting an insurer from refusing to issue or renew a property insurance policy, rather than a homeowner’s policy, insuring a residential structure that has a roof less than a specified age solely because of the roof’s age; prohibiting an insurer from refusing to issue or renew a property insurance policy under certain circumstances, etc. 
Original Filed Version 
2026 
S 
2026-07-01T00:00:00Z 
GB 
General Bill 
__ 

 Florida Senate - 2026 SB 808 

 By Senator Simon 

 3-01561-26 2026808__ 
 1 A bill to be entitled 
 2 An act relating to roofing requirements for property 
 3 insurance; amending s. 627.7011, F.S.; revising the 
 4 definition of the term “authorized inspector” to 
 5 include certain roof consultants and roof observers; 
 6 prohibiting an insurer from refusing to issue or renew 
 7 a property insurance policy, rather than a homeowner’s 
 8 policy, insuring a residential structure that has a 
 9 roof less than a specified age solely because of the 
 10 roof’s age; requiring the insurer to differentiate 
 11 between low-slope and steep-slope roofs in its offer 
 12 for coverage under certain circumstances; requiring 
 13 the insurer to allow a property owner to have a roof 
 14 inspection performed on a steep-slope roof by an 
 15 authorized inspector before requiring that the roof be 
 16 replaced; prohibiting an insurer from refusing to 
 17 issue or renew a property insurance policy under 
 18 certain circumstances; revising applicability; 
 19 providing an effective date. 
 20 
 21 Be It Enacted by the Legislature of the State of Florida: 
 22 
 23 Section 1. Subsection (5) and paragraph (a) of subsection 
 24 (6) of section 627.7011, Florida Statutes, are amended to read: 
 25 627.7011 Homeowners’ policies; property insurance policies; 
 26 offer of replacement cost coverage and law and ordinance 
 27 coverage.— 
 28 (5)(a) As used in this subsection, the term “authorized 
 29 inspector” means an inspector who is approved by the insurer and 
 30 who is: 
 31 1. A home inspector licensed under s. 468.8314; 
 32 2. A building code inspector certified under s. 468.607; 
 33 3. A general, building, or residential contractor licensed 
 34 under s. 489.111 or a roofing contractor; 
 35 4. A professional engineer licensed under s. 471.015; 
 36 5. A professional architect licensed under s. 481.213; or 
 37 6. A Registered Roof Consultant certified by the 
 38 International Institute of Building Enclosure Consultants; 
 39 7. A Registered Roof Observer certified by the 
 40 International Institute of Building Enclosure Consultants; or 
 41 8.6. Any other individual or entity recognized by the 
 42 insurer as possessing the necessary qualifications to properly 
 43 complete a general inspection of a residential structure insured 
 44 with a homeowner’s insurance policy. 
 45 (b) An insurer may not refuse to issue or refuse to renew a 
 46 property insurance homeowner’s policy insuring a residential 
 47 structure with a roof that is less than 15 years old solely 
 48 because of the age of the roof. 
 49 (c)1. For a roof that is at least 15 years old, an insurer 
 50 must differentiate between a low-slope roof with a 2-inch pitch 
 51 or less and a steep-slope roof with a pitch of more than 2 
 52 inches in its offer for coverage under a policy. 
 53 2. Before requiring the replacement of a steep-slope roof 
 54 as a condition of issuing or renewing a property insurance 
 55 policy, the insurer must allow a property owner homeowner to 
 56 have a roof inspection performed by an authorized inspector at 
 57 the property owner’s homeowner’s expense before requiring the 
 58 replacement of the roof of a residential structure as a 
 59 condition of issuing or renewing a homeowner’s insurance policy. 
 60 3. If the roof is a steep-slope roof, the insurer may not 
 61 refuse to issue or refuse to renew a property homeowner’s 
 62 insurance policy solely because of roof age if an inspection of 
 63 the roof of the residential structure performed by an authorized 
 64 inspector indicates that the roof has 5 years or more of useful 
 65 life remaining. 
 66 4. If the roof is a low-slope roof, the insurer may not 
 67 refuse to issue or refuse to renew a property insurance policy 
 68 solely because of roof age if an authorized inspector determines 
 69 that the roof may be restored by having a roof coating system 
 70 applied which will result in the roof having 5 years or more of 
 71 useful life remaining. 
 72 (d) For purposes of this subsection, a roof’s age shall be 
 73 calculated using the last date on which 100 percent of the 
 74 roof’s surface area was built or replaced in accordance with the 
 75 building code in effect at that time or the initial date of a 
 76 partial roof replacement when subsequent partial ro