First: Take a Breath. You Have Time.
A non-renewal notice is scary but it's not an eviction notice. Florida requires insurance companies to give you at least 90 days notice before coverage ends. That's plenty of time to take action if you start NOW, not in 80 days.
Why Insurance Companies Are Doing This
Florida's insurance market has been in crisis. Hurricanes, roof-replacement scams, litigation abuse it all caused carriers to lose money. The state responded with laws allowing companies to refuse coverage for roofs over 15 years old. It's not personal. It's economics.
But that doesn't help you when you're staring at a non-renewal letter.
Step-by-Step: What to Do Right Now
Step 1: Get Your Roof Professionally Inspected (This Week)
Before you do anything else, find out if your roof actually needs replacement or just needs documentation. Call Sarge at (352) 696-8989 for a roof age inspection. Most inspections happen within 48 hours.
Two possible outcomes:
- Good news: Your roof has 5+ more years of useful life. We certify it in writing. You use that to challenge the non-renewal or find a new insurer.
- Bad news: Your roof genuinely needs replacement. At least now you know for certain and you have 80+ days left to plan.
Step 2: Get Roof Recertified (If It Qualifies)
If the inspection shows sufficient remaining life, we provide a written recertification on our licensed contractor letterhead. Submit this to your insurance company immediately. Many non-renewals are reversed when proper recertification is provided.
Step 3: Shop Other Insurance Carriers
Florida carriers have different age policies. Some will insure 18-year-old roofs, some won't. With your recertification in hand, contact multiple agents and get quotes. Options include:
- Universal Property & Casualty
- Heritage Insurance
- Other Florida carriers
- Tower Hill
- Progressive (selective)
- Your existing carrier's sister companies
Step 4: Consider Citizens Property Insurance
Citizens is Florida's state-backed insurer of last resort. Not ideal, but a real safety net if private carriers all refuse you. Rates are now competitive (they used to be lower, reforms changed that). Citizens will accept older roofs with proper certification.
Step 5: If All Else Fails, Replace Before Coverage Ends
If recertification isn't possible and no carrier will take you, full roof replacement may be the answer. We can:
- Complete most residential replacements in 1-4 days
- Offer financing to spread the cost
- Install TAMKO Titan XT (160 MPH wind warranty) for maximum insurance friendliness
- Deliver a new roof that qualifies you for wind mitigation discounts
Don't Fall for These Non-Renewal Traps
- "Free roof" inspection scams Out-of-state contractors knocking on doors after non-renewal notices circulate. Never sign an Assignment of Benefits (AOB) contract.
- Rushed financing High-interest solar-loan-style financing pushed door-to-door. Read every term.
- "Can't fail" recertification No honest contractor will promise certification before inspecting.
- Storm chasers Here today, gone tomorrow. Always verify FL license number at myfloridalicense.com.
Why Work With Us
Sal has lived in Central Florida for decades. This isn't a franchise, isn't a storm-chaser he's been a licensed Florida roofer through hurricanes, insurance crises, and market swings since long before SB-76.
- Veteran-owned, personally operated
- CCC1334499 (Roofing) + CRC1335172 (Residential Contractor)
- Honest assessments we tell you the truth, not what sells
- End-to-end insurance advocacy we talk to your carrier for you
- Belleview-based, covers Marion, Lake, Sumter Counties