Insurance and roof age rules by state
Some states limit how far an insurer can go when a roof is old. Others say nothing we could find. This page lists what we confirmed in official documents, with the exact words and links, and says plainly where we found nothing.
| State | What we found | Status | Last verified |
|---|---|---|---|
| Texas | Rule since 1997: no declining for the age of the property. Clarifying change that names roofs proposed 29 Sep 2026. | Rule in force, clarifying change proposed | 2026-10-07 |
| Florida | Statute: no refusal for roof age alone under 15 years; inspection right at 15 years or older. | Statute in force | 2026-10-07 |
| Colorado | No official rule found yet in the pages we opened. | No official rule found yet | 2026-10-07 |
We have not checked the other states yet. A state missing from this table is unchecked, which is different from having no rule. States where we found no official rule show a page that says so and is kept out of search results.
How to read these pages
- Age is not the same as condition. A rule that stops an insurer from using age alone usually still lets it act on a worn or damaged roof.
- Every point on a state page carries the exact words of the official source, the link and the date we opened it.
- A proposal is not a rule. Where a state has only proposed a change, the page says so.
Questions people ask
Can an insurer refuse my home because the roof is old?
It depends on the state. In Florida a statute limits refusals that rest only on roof age. In Texas a Department of Insurance rule bars declining a home policy because of the age of the property, and the department says that includes the age of the roof. For other states we have not found an official rule yet.
Is roof age the same as roof condition?
No, and the difference decides most cases. In Texas the rule still lets an insurer decline cover based on the physical condition of the property, including the roof. Florida lets an inspector's report on remaining roof life settle the question for older roofs.
Why does a state show no rule here?
It means we opened the official pages listed on that state's page and found no rule or report on roof age. It does not mean no rule exists. Check the state insurance department and your policy.
Is this legal advice?
No. It is a plain-English reading of public documents, with the exact words and links so you can check them. For your own policy, ask your insurer in writing or call your state insurance department.