Carrier Non-Renewal Notice — Read This First
Your Carrier Says Replace The Roof. Maybe You Don't Have To.
Florida HB 1611 (2023) gives homeowners the right to a Remaining Useful Life inspection BEFORE a carrier can force a roof replacement on age alone. If your roof has 5+ years of useful life left, Florida law says you can keep it. Most homeowners and most agents do not know this. Sarge does.
Same-week RUL inspections. flat fee. Signed report you can submit to your carrier.
If You Just Got a Non-Renewal Notice, Do This
Most homeowners react one of two ways: (1) panic and spend - on a roof they may not need, or (2) ignore it and lose coverage. Neither is the right move. Here's the actual playbook:
- 1Don't panic. You have time.Carriers must give you 90-120 days notice before non-renewal takes effect. That is enough time to get inspected, document the truth, and respond properly.
- 2Read your notice carefully.Is the carrier citing roof age? Roof condition? Both? The reason determines your move. Age alone is challengeable under HB 1611. Condition issues need to be documented and fixed.
- 3Book a Remaining Useful Life (RUL) inspection.This is your HB 1611 right. A licensed Florida roofer documents the roof's actual remaining lifespan. If it's 5+ years, Florida statute requires the carrier to maintain coverage. The carrier cannot legally force replacement on age alone.
- 4Get a wind mitigation report at the same time.The OIR-B1-1802 documents wind-resistant features and qualifies you for carrier credits. Bundling RUL + wind mit costs about the same as one inspection alone. Both reports go straight to your carrier.
- 5Respond to the carrier in writing.Submit your RUL report, wind mit report, and a formal request to maintain coverage citing HB 1611 and F.S. 627.7011. Keep copies. Track delivery. If they refuse and you have a 5+ year RUL, you have grounds to file a complaint with Florida DFS.
- 6If the roof genuinely needs replacement, plan it right.If RUL is under 5 years or the roof has real condition issues, replacement makes sense. Get a dual-licensed contractor (not just roofing, but residential GC) so the work is permitted and documented properly for the next carrier.
Florida Statutes Protecting You
HB 1611 (Signed 2023)
Prohibits carriers from refusing coverage or non-renewing on roof age alone if the roof has 5+ years of remaining useful life documented by a licensed Florida roofer.
F.S. 627.7011
Florida insurance code governing roof coverage, replacement cost, and the carrier's obligations during non-renewal. Cite this in your written response.
FLOIR Wind Mitigation Rule
Florida Office of Insurance Regulation requires carriers to provide premium discounts for documented wind-resistant features via the OIR-B1-1802 form.
Florida DFS Complaint Process
If a carrier refuses to honor an RUL report or violates HB 1611, file a formal complaint with the Florida Department of Financial Services. Carriers respond fast to DFS inquiries.
Three Outcomes — Pick The Right One
Sarge inspects your roof and tells you which path matches reality. Not which one makes him the most money.
RUL 5+ Years
Your roof is sound. HB 1611 protects you. Submit the report and keep coverage.
Recertification path. product. 5-year documented useful life.
RUL 2-5 Years
Borderline. Targeted repairs and maintenance can extend useful life. Buy time, plan replacement.
Maintenance + repair path. Document everything for the next renewal cycle.
RUL Under 2 Years
Replacement is the right call. Don't fight what physics already decided.
Replacement path. TAMKO Titan XT 160 MPH asphalt or standing seam metal.
Don't Replace A Roof You Don't Need.
Get the inspection. Know the truth. Make the right call. Sarge will tell you straight.
☎ (352) 696-8989FAQ — Non-Renewal Notice
My carrier says my roof is too old. Do I have to replace it?
Not automatically. Under Florida HB 1611 (signed 2023, codified in F.S. 627.7011), if a licensed Florida roofer documents that your roof has 5+ years of remaining useful life, the carrier cannot force replacement on age alone. The Remaining Useful Life (RUL) inspection is your legal protection. Many homeowners replace prematurely simply because they don't know this right exists.
How long do I have to respond to a non-renewal notice?
Florida carriers must provide 90-120 days notice. That is your window to get an RUL inspection, submit the report, and request continued coverage. Move quickly — the closer you get to the deadline, the fewer options you have.
Will my agent file the RUL report for me?
Florida law restricts roofing contractors from negotiating directly with carriers on a homeowner's behalf. You or your agent submit the report. State Certified Roofing delivers the signed report to you (and your carrier on request). What you do with it is your call, and your agent's call.
What if my carrier ignores the RUL report?
If a carrier refuses to honor a valid RUL report in violation of HB 1611, you can file a formal complaint with the Florida Department of Financial Services (DFS). Carriers respond quickly to DFS inquiries because the regulatory exposure is significant. Document every communication in writing.
What does an RUL inspection cost?
State Certified Roofing charges flat for an RUL inspection in our service area. Bundled with a wind mitigation report (OIR-B1-1802), the combined inspection is the same trip and produces both documents your carrier needs.
Send Sarge Your Roof Info
Fill this out. Sarge calls you back personally — same day, no call center.
What Happens After You Send It
- Sarge calls you back personally — usually same day, no gatekeeper, no call center.
- He pulls your roof age, your carrier's 15-year clock, and your MSFH grant eligibility before he ever rings your bell.
- He walks the roof himself. No salesman. No subcontractor knock-and-talk.
- You get a straight answer: keep it, certify it, or replace it. He'll tell you which one even if it costs him the job.
Got neighbors asking the same question? When Sarge is already on your street, the truck's already there — tell him who else on the block wants a walk and he'll work it into the same trip.