Does Florida’s Roof Age Rule Hinder Adoption of Hurricane-Resilient Roof Systems?

Florida’s 15-year roof age rule has sparked debate among builders, insurers, and roofing associations. After Hurricane Milton exposed the vulnerabilities of older roofs, industry experts suggested that liquid-applied roofing systems could provide a more durable solution. These systems, which bond directly to roof decking, resist wind damage and boast extended lifespans. However, Florida’s insurance regulations and underwriting practices often discourage their adoption, with insurers reluctant to cover properties with roofs older than 15 years, even with advanced coatings.

The Roof Coating Manufacturers’ Association (RCMA) has launched a legislative push to amend these rules, arguing that arbitrary age limits discourage the use of innovative and sustainable roofing products. While some industry groups believe current laws already provide flexibility for older roofs in good condition, insurers remain skeptical about the long-term effectiveness of coatings, particularly on residential properties.

Meanwhile, liquid-applied systems have gained traction for commercial properties, especially in hurricane-prone areas like Louisiana, where these systems demonstrate exceptional wind resistance. Advocates hope insurers will eventually offer premium discounts for such products, similar to credits provided for wind-resistant roof upgrades.

Florida lawmakers may revisit roof-related policies during the upcoming legislative session, but the path forward remains uncertain. Industry leaders stress that rigid age limits may deter property owners from investing in high-quality, wind-resistant materials, despite their proven durability and potential to reduce losses.