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Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Every policy has different policy language. Discussion of insurance policy language is descriptive only. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. LEGAL DISCLAIMER Views expressed here do not constitute legal advice. Please contact us at 850.244.2111 for additional information. We shop for all of your homeowners insurance needs. Our agency is able to cover any roof that you decide to choose for a replacement. This inspection and accompanied form will answer any questions about the roof’s age, material it was built with, and possible problem areas that may need some repairing. If you are going to obtain a homeowners insurance policy, the age of the home may require you to get a four-point inspection. Just a reminder to have your roof’s type, age and installation information handy when speaking to your Florida licensed insurance agent and realtor. You will also know how to address and handle any roofing issues that can creep up over time. Tile, Clay and Concrete – Up to 40 yearsĮvery material has their own pros and cons but having a general understanding of what your roof is made out of and how it handles the elements will also give you the upper hand when looking for your next homeowners policy.Not every insurance company abides by the same criteria and their rules may change at any time, but for reference the more commonly recognized roof type lifespan is listed below: Example of typical Florida insurance roof replacement schedule On top of that, all these types of roofs are exposed to extreme heat, humidity, rain, wind, and occasionally a hurricane which can turn that twenty year estimated lifespan to fifteen, or even ten years if heavily damaged. While clay tiles and concrete have an advertised lifespan of fifty years, they usually undergo routine maintenance to back that claim. While different shingles may advertise a warranty of 20 or even 50 years, most insurance companies will not recognize a shingle or product warranty and will still require replacement and updates subject to completely different schedules. A ton of Florida residents are told that their roof can last well and beyond twenty years, but that may not be the case. Another criticism is that in the event a repair takes place, it may be extremely hard to find the same matching color of the original slate tiles, making it a costly headache.įlorida’s extreme weather is able to significantly shorten the lifespan of a roof without your knowledge. This type of roof can be similar to clay tiles as they are highly fire resistant but can crack under heavy weight or pressure. It is wise to check and see if your home can handle one. Due to this roof being made out of rock, they can be extremely heavy. Slate roofs may not be the most common in Florida, but they are very nice, hand customizable, and environmentally friendly. Advantages of Using an Insurance Broker in 2023.Landlord Insurance Dwelling Policy (DP).Uninsured and Underinsured Motorist (UM) Coverage.Comprehensive & Collision (Damage to your Vehicle). Request a Review of Your Insurance Policies.
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