FL S0808

Expands the definition of "authorized inspector" 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 just homeowner's policies) 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 (pitch greater than 2 inches) when offering coverage for roofs 15 years or older

Mandates insurers allow property owners to obtain a roof inspection by an authorized inspector before requiring replacement of steep-slope roofs; insurers cannot refuse coverage if the inspection shows 5 or more years of useful life remaining

For low-slope roofs, insurers cannot refuse coverage if an authorized inspector determines the roof can be restored with a coating system that provides 5 or more years of useful life