How old of a roof will insurance cover in Florida?

Most insurance companies in Florida have age limits on roofs for coverage eligibility. Generally:

• Asphalt shingle roofs: Must be under 10–15 years old for full replacement coverage.
  
• Metal, tile, or slate roofs: May be covered up to 25–40 years old if in good condition.
  

If a roof exceeds the insurer’s age limit, coverage may be reduced to actual cash value (ACV) instead of full replacement cost, meaning depreciation is factored in. Always check your policy and ask your insurer about their specific roof age requirements.