Florida legislation · 2026 Regular Session
Florida S808: Roofing Requirements for Property Insurance
Status: Failed, March 13, 2026
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.
What the bill says
An act relating to roofing requirements for property insurance; amending s. 627.7011, F.S.; 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; requiring the insurer to differentiate between low-slope and steep-slope roofs in its offer for coverage under certain circumstances…
From the introduced text, December 9, 2025:
A bill to be entitled An act relating to roofing requirements for property insurance; amending s. 627.7011, F.S.; 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; requiring the insurer to differentiate between low-slope and steep-slope roofs in its offer for coverage under certain circumstances; requiring the insurer to allow a property owner to have a roof inspection performed on a steep-slope roof by an authorized inspector before requiring that the roof be replaced; prohibiting an insurer from refusing to issue or renew a property insurance policy under certain circumstances; revising applicability; providing an effective date. Be It Enacted by the Legislature of the State of Florida: Section 1. Subsection (5) and paragraph (a) of subsection (6) of section 627.7011, Florida Statutes, are amended to property insurance policies; offer of replacement cost coverage and law and ordinance coverage.-- (5)(a) As used in this subsection, the term "authorized inspector" means an inspector who is approved by the insurer and who 2. A building code inspector certified under s. 468.607; 3. A general, building, or residential contractor licensed …