FL H0815

Expands "authorized inspector" definition to include Registered Roof Consultants and Registered Roof Observers certified by the International Institute of Building Enclosure Consultants

Prohibits insurers from refusing to issue or renew property insurance policies (expanded from homeowner's policies only) for residential structures with roofs less than 15 years old solely based on roof age

Requires insurers to differentiate between low-slope roofs (2-inch pitch or less) and steep-slope roofs (more than 2-inch pitch) when offering coverage for roofs 15 years or older

Mandates insurers allow property owners to obtain a roof inspection before requiring replacement of steep-slope roofs; coverage cannot be denied if inspector certifies 5+ years of useful life remaining

Low-slope roofs may qualify for coverage if an authorized inspector determines a roof coating system can extend useful life by 5+ years

Effective date: July 1, 2026, applying to property insurance policies issued or renewed on or after that date