Don't Let Your Insurance Company
Force a Roof Replacement
If your Florida insurer is threatening to cancel your policy because of your roof's age, your best move is a proactive one. Florida law gives homeowners the right to request an independent Useful Life Exam — and a professionally restored, well-maintained roof puts you in the strongest possible position when the inspector arrives.
The Florida Roof Insurance Crisis
Florida insurance companies are canceling policies on roofs over 15–20 years old — regardless of actual condition. Thousands of homeowners are being forced into unnecessary replacements.
Insurance Company Demands Re-Roofing
Your insurer says your roof is too old and threatens to cancel your policy unless you replace it — a $15,000–$40,000 expense.
Roof Still Has Years of Life Left
Your roof looks fine and doesn't leak, but insurance companies flag it based solely on age, not actual condition.
Re-Roofing Cost Is Unaffordable
A full roof replacement disrupts your life and budget. There has to be a better option — and there is.
How Our Roof Life Extension Treatment Works
Our high-strength liquid rubber coating system restores your roof to peak protective performance — so when you exercise your legal right to request an independent Useful Life Exam, your roof speaks for itself.
Free Roof Assessment
We inspect your roof's current condition — tile integrity, waterproofing status, structural soundness — and determine if it's a candidate for certification treatment.
Professional Coating Application
We apply our Fungal Shield, Smart Shield, or Roof Shield rubber coating system — a high-strength waterproof membrane that restores and protects the roof surface.
Extended Roof Life
Our treatment restores your roof's protective performance — giving you the best possible foundation when you exercise your legal right to request an independent Useful Life Exam.
Keep Your Insurance
With a professionally restored roof, you are in the strongest possible position when a licensed inspector assesses its condition. It is the inspector's report — not the contractor — that the insurance company recognizes.
Why Homeowners Choose
The Roof Store
Since 1994, we've helped thousands of South Florida homeowners protect their roofs and their insurance policies — without the cost and disruption of a full replacement.
Roof Types We Treat
Our rubber coating systems work on virtually every residential roof type common in South Florida.
Your Legal Right as a Florida Homeowner
Most Florida homeowners facing a cancellation notice don't know this right exists. It is written into state law — and it belongs to you, not to your insurance company.
Our position
An insurance company cannot legally cancel your policy or force you to replace your roof simply because of its age.
The law
Under Florida Statute §627.7011(5), enacted through Senate Bill 2-D signed May 26, 2022, insurers are expressly prohibited from non-renewing or denying coverage based on roof age alone — provided a licensed inspector's written report confirms sufficient remaining useful life. Senate Bill 2-A, signed December 2022 and effective January 1, 2023, reinforced and expanded these protections.
Our position
The authority to request an independent roof inspection belongs to the homeowner — not the insurance company, and not the contractor.
The law
Florida homeowners have the statutory right to request a Useful Life Exam — an independent inspection performed by a licensed Florida contractor or engineer. It is that report, and only that report, that the insurance company is legally required to recognize. No contractor certifies your roof's useful life. No product does. The right is yours.
Our position
Citizens Insurance has a formal, documented process for this — and specific dates when it became enforceable.
The facts
Citizens Property Insurance Corporation formalized this through its Roof Condition Certification Form, CIT RCF-1. Binding operational rules took effect May 1, 2023 (new business) and September 1, 2023 (policy renewals), officially codifying that a certified inspector must verify a minimum of 5 years of remaining useful life to bypass the replacement requirement.
Our position
This right can only be exercised once — so the condition of the roof at the time of that inspection matters enormously.
The facts
In June 2024, Citizens issued a formal restriction: the 5-year useful life extension is available one time only, per property. When that period expires, full replacement is required. There is no second extension. A homeowner who arrives at that inspection with a roof in poor condition has lost their one opportunity.
Our position
The State of Florida itself endorses proactive roof maintenance as the answer — not replacement.
The facts
In July 2024, Governor DeSantis signed Senate Bill 7028, adding $200 million to the My Safe Florida Home Program — a state grant providing $2 for every $1 spent, up to $10,000, specifically for wind-mitigation roof upgrades. The state's own policy funds the proactive approach.
Our position
The pressure from insurers is increasing. The legislative relief homeowners were waiting for has not arrived.
The facts
In July 2025, private carriers began aggressively non-renewing policies on shingle roofs over 15 years old. In March 2026, House Bill 815 — which would have required insurers to treat different roof types differently under the age rule — died in committee on March 13, 2026.
What Puts You in the Strongest Position
The homeowner who takes a proactive position before the inspector arrives is in a fundamentally different situation than one who waits.
Our position
The insurance company can only use the age of the roof against you. That argument does not prevail when the homeowner has taken demonstrable steps to maintain the roof's condition.
The facts
Florida Statute §627.7011(5) is explicit — age alone is not sufficient grounds for cancellation when a licensed inspector's report documents sufficient remaining useful life. A roof that is cleaned, repaired, and professionally coated gives an inspector a documented, well-maintained surface to evaluate. It gives the insurance company very little to flag beyond a calendar date.
Our position
Get the roof cleaned before the inspection — biological growth is an immediate red flag.
Why it matters
Mold, algae, and lichen are visible markers of neglect that an inspector will note directly. A professionally cleaned roof surface removes those flags entirely and allows the inspector to assess the actual condition of the tiles, not the growth on top of them.
Our position
Have any damaged or cracked tiles repaired before the inspection — individual tile condition is assessed directly.
Why it matters
A roof in otherwise good condition with visible cracked or missing tiles creates documented deficiencies in the inspection report. Tile repair is a fraction of the cost of replacement and eliminates the most common point-of-failure findings.
Our position
Apply a quality protective coating — a sealed, waterproofed roof in demonstrably good condition speaks for itself.
Why it matters
A professionally applied elastomeric or silicone coating restores the roof's protective surface, seals micro-cracks and porous tile surfaces, and presents a uniformly sound membrane to an inspector. The coating is not what grants the useful life extension — the inspector's report does. But the coating is what makes that report favorable.
Our position
When you have done all three — cleaned, repaired, and coated — the insurance company has very little leverage left.
The facts
§627.7011(5) removes age as a standalone cancellation basis when a licensed inspector documents sufficient remaining useful life. A homeowner who has cleaned, repaired, and professionally coated their roof has done everything within their power to support a favorable inspection outcome. The educated, proactive homeowner eliminates the leverage that forces unnecessary and expensive replacements.
What the Industry Tried — and Why It Didn't Go Far Enough
The Florida roofing industry has known for over a decade that tile roof vulnerability to wind-driven water intrusion is a solved problem. The building code process tried to address it. It was voted down.
Our position
The industry proposed a polyurethane head-lap adhesive requirement for tile roofs. It was defeated — because polyurethane applied across the full field tile surface strips the roof's air-permeable classification.
The facts
FRSA, TRI, and Florida Building Code Chapter 15 HVHZ technical committees debated requiring a continuous polyurethane adhesive bond at the head-lap of every field tile. The proposal addressed a real problem — tile roofs allow wind-driven water to enter through the spaces between tiles. But the solution was wrong for the location. Polyurethane foam applied across the full tile field converts a mechanically fastened, air-permeable system into a fully bonded system — eliminating the pressure-equalization engineering that the wind-uplift rating depends on. The proposal died on that basis.
Our position
FRSA and TRI do permit polyurethane — but only at the ridge caps and side pointings, not across the field tiles. That is the line the building code drew. Our system respects it.
The facts
FRSA/TRI installation guidelines permit polyurethane foam adhesive at the hip and ridge caps and at side pointings — locations where mechanical fastening alone is insufficient and where the air-permeable classification of the field tile is not compromised. Our system uses polyurethane exclusively at those approved locations. The field tile surface receives an elastomeric or silicone coating — breathable, flexible, and fully compatible with the roof's engineered wind-uplift performance.
Our position
The result is a system that achieves what the voted-down proposal was trying to achieve — without any of its code violations.
The facts
A field treated with our elastomeric or silicone coating and ridge caps secured with polyurethane at the FRSA/TRI-permitted locations delivers:
- A continuously sealed surface that resists wind-driven water intrusion across the entire field
- Full preservation of the roof's air-permeable classification and wind uplift engineering
- Ridge and hip securement at the maximum HVHZ-rated 55 lbs of uplift resistance
- No moisture trapping — the breathable field coating allows vapor movement as designed
- No product approval violations — the tile system's Florida Product Approval Number remains intact
Our position
The building code has not caught up. Our system already has.
The facts
No amendment to the Florida Building Code currently requires a breathable elastomeric or silicone field coating as a standard installation step for new tile roofs. The insurance industry still prices premiums based on storm damage statistics that a properly coated tile field would reduce. The roofing industry still replaces roofs that a maintained, coated tile system could have extended. The homeowner who understands this is the one who is not paying for any of it unnecessarily.
TAS-106: The Test That Proves It
TAS-106 is the Florida Dade County standard for tile roof wind uplift — the same pull-test tool used to certify new tile roof installations. No liquid roof coating in the world has passed this test. Ours has.
Our position
Our RoofShield system was pull-tested using the same TAS-106 equipment used to certify new tile roofs. The result was documented and on record.
The facts
Using the standard TAS-106 tile uplift pull-test tool, three installation methods were tested side-by-side:
The tile seated in RoofShield did not breach at 100 lbs of pull force — the maximum applied in the documented test. The cement patty and nail installation (standard new-roof method) broke at approximately 35 lbs. The foam patty (polyurethane) broke at approximately 55 lbs. Our system held at more than twice the resistance of a brand-new tile installation.
Our position
Ask any competitor for their TAS-106 documentation. Most cannot produce it.
The facts
TAS-106 Dade County Uplift Pull Test certification is the gold standard for tile roof wind resistance in Florida. It is the test the Florida Building Code uses to approve new tile roof systems. Obtaining this certification for a liquid coating system requires independent third-party testing and documented results. We have it. It is the reason we are the only TAS-106 rated liquid roof coating in the world — and why we say so.