MS HB1319

Prohibits insurers from refusing to issue or renew homeowner's insurance policies solely because a roof is less than 15 years old.

Requires insurers to allow homeowners to obtain an inspection by a licensed home inspector (at homeowner's expense) for roofs 15 years or older before requiring roof replacement as a policy condition.

Prevents insurers from denying or refusing to renew policies based on roof age alone if an authorized inspection shows the roof has at least 5 years of useful life remaining.

Defines a roof's age by the last date when 100% of the roof surface was built or replaced, or the initial date of partial replacement if subsequent work resulted in 100% replacement.

Takes effect July 1, 2024, and applies to all homeowner's insurance policies issued or renewed on or after that date.