Florida roofing supplement law (2026)
Florida Statute §626.9744 explicitly requires carriers to repair OR replace damaged property with materials of like kind and quality, including matching. This is one of the strongest matching statutes in the US and almost always supports full-slope replacement claims.
Florida Statute §626.9744 explicitly requires carriers to repair OR replace damaged property with materials of like kind and quality, including matching. This is one of the strongest matching statutes in the US and almost always supports full-slope replacement claims.
Florida allows both. Citizens and most surplus carriers default to ACV with depreciation; major national carriers (State Farm, Allstate) write RCV.
Recoverable depreciation must be released within 90 days of submitting completion documentation under Florida Statute §627.70131.
Updated 2023: 1 year from date of loss to file a notice of claim, 2 years to file suit (down from 4). Supplements should be filed within 30 days of receiving the scope.
Heavily regulated. Public adjusters must hold a 3-20 license. Roofing contractors cannot solicit claims and SB 76 (2021) prohibits door-to-door claim solicitation.
Florida Building Code 2023 (FBC) requires hurricane straps, secondary water barrier (SWB), and full re-decking when more than 25% of the roof is replaced. These are mandatory upgrades carriers must pay for under Ordinance & Law coverage.
Top carriers in Florida
- Citizens Property
- Universal
- State Farm Florida
- Heritage
- Florida Peninsula
Citizens has aggressive depreciation schedules — always supplement. Universal underpays SWB on nearly every claim. Heritage frequently denies hurricane strap upgrades; cite FBC §1503.
Pro tips
- ALWAYS quote Florida Statute §626.9744 when requesting matching — Florida courts uphold it.
- 25% rule: if you're replacing more than 25% of the roof, the entire roof must be brought to current FBC code. Document the percentage carefully.
- File the notice of claim FAST — 1-year window is unforgiving.
Frequently asked questions
Does Florida require insurance to match my roof?
Yes. Florida Statute §626.9744 requires carriers to repair or replace with materials of like kind and quality, including matching. This is one of the strongest matching laws in the US.
What is the 25% rule in Florida?
When more than 25% of a roof is replaced within 12 months, the Florida Building Code requires the entire roof system be brought to current code, including hurricane straps and secondary water barrier.
How long do I have to file a roof claim in Florida?
1 year from the date of loss to file a notice of claim, and 2 years to file suit, under the 2023 amendments to Florida Statute §95.11.
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