Homeowners’ Insurance Policies

Plain English Breakdown

Checked against official source text during the last sync.

Homeowners' Insurance Roof Inspection Reimbursement

This bill requires insurers to reimburse homeowners for roof inspections under certain conditions and to notify them about their rights.

What This Bill Does

• Requires insurance companies to pay back homeowners up to $300 if an authorized inspector determines the roof has at least five more years of useful life left after an inspection.
• Allows homeowners to get a roof inspection before their insurance company decides whether to replace or renew their policy, as long as the roof is 15 years old or older.
• Requires insurance companies to tell homeowners about their right to have a roof inspection and the insurer's duty to pay for it when issuing or renewing an insurance policy.

Who It Names or Affects

• Homeowners with roofs that are at least 15 years old
• Insurance companies in Florida

Terms To Know

Authorized Inspector

A professional who is allowed to inspect a roof and determine its condition.

Useful Life

The period during which a roof can be expected to perform adequately without major repairs or replacement.

Limits and Unknowns

• This bill only applies to homeowners in Florida.
• It does not specify what happens if the roof inspection shows less than five years of useful life remaining.

Official Summary Text

Homeowners’ Insurance Policies; Requiring insurers to reimburse homeowners for the cost of a specified roof inspection under certain circumstances; requiring insurers to make certain notifications to homeowners at a specified time, etc.

Current Bill Text

Florida Senate
-
2026

SB 128

By
Senator Bracy Davis

15-00357A-26 2026128__
1 A bill to be entitled
2 An act relating to homeowners’ insurance policies;
3 amending s. 627.7011, F.S.; requiring insurers to
4 reimburse homeowners for the cost of a specified roof
5 inspection under certain circumstances; requiring
6 insurers to make certain notifications to homeowners
7 at a specified time; providing an effective date.
8
9 Be It Enacted by the Legislature of the State of Florida:
10
11 Section 1. Paragraph (c) of subsection (5) of section
12 627.7011, Florida Statutes, is amended to read:
13 627.7011 Homeowners’ policies; offer of replacement cost
14 coverage and law and ordinance coverage.—
15 (5)
16 (c) For a roof that is at least 15 years old, an insurer
17 must allow a homeowner to have a roof inspection performed by an
18 authorized inspector at the homeowner’s expense before requiring
19 the replacement of the roof of a residential structure as a
20 condition of issuing or renewing a homeowner’s insurance policy.
21 The insurer may not refuse to issue or refuse to renew a
22 homeowner’s insurance policy solely because of roof age if
,

23
during
an inspection of the roof of the residential structure
,

24
the

performed by an
authorized inspector
performing the

25
inspection determines

indicates
that the roof has 5 years or
26 more of useful life remaining.
If
an
authorized inspector
makes

27
such a determination
, the insurer
must
reimburse the homeowner

28
for the
cost
of the inspection
in an amount not to exceed
$300.

29
An insurer must
notify
a homeowner of the right to have a roof

30
inspection and
of
the insurer’s obligation to reimburse the

31
homeowner
as specified
under this
paragraph at the time of

32
issuing or renewing a homeowner’s insurance policy.

33 Section 2. This act shall take effect July 1, 2026.