Orlando’s intense sun, rain, and hurricanes can wear down your roof faster than in other regions.

-Watch for these red flags: Roof Age: 20–25+ years is the typical lifespan—time for a checkup or replacement.

-Shingle Damage: Curling, cracking, or missing shingles = reduced protection. Leaks & Stains: Water spots on ceilings or walls signal underlayment failure.

-Moss or Algae: Traps moisture and accelerates roof deterioration. Sagging Deck: A structural issue needing immediate attention.
-Granules in Gutters: A sign your shingles are wearing out.
-High Energy Bills: May indicate poor insulation due to roof damage.

👉 If you notice any of these, book a professional inspection ASAP to avoid costly repairs.

Given Orlando’s intense sun, storms, and humidity, roof inspections should be done twice a year-ideally in spring and fall-plus after any major weather events.

What to Look For:
-Missing, cracked, or curling shingles Granules in gutters (a sign of wear)
-Moss or algae growth (moisture trap)
-Attic leaks, water stains, or sagging spots

While you can spot basic issues, a professional inspection once a year is key to catching hidden problems early and protecting your roof from costly damage.

No not necessarily actually…

Here’s the exact Florida code pertaining to the roofing laws:

Florida Code 627.7011 Homeowners’ policies; offer of replacement cost coverage and law and ordinance coverage.—

(c) For a roof that is at least 15 years old, an insurer must allow a homeowner to have a roof inspection performed by an authorized inspector at the homeowner’s expense before requiring the replacement of the roof of a residential structure as a condition of issuing or renewing a homeowner’s insurance policy. The insurer may not refuse to issue or refuse to renew a homeowner’s insurance policy solely because of roof age if an inspection of the roof of the residential structure performed by an authorized inspector indicates that the roof has 5 years or more of useful life remaining.

While a 15-year replacement cycle might be recommended for certain materials or under specific conditions, it’s not a one-size-fits-all rule. It’s best to have regular roof inspections by a professional to assess the condition and determine the right time for replacement.

Orlando’s sun, storms, and humidity accelerate roof wear.

Here’s when replacement may be smarter than repair:

-Roof Age: Nearing or past 20–25 years? It’s time to consider a full replacement.
-Visible Damage: Curling, cracking, or missing shingles weaken your roof’s protection.
-Ongoing Repairs: Constant fixes add up—new roofs bring long-term peace of mind. Leaks or Stains: Water damage inside points to underlayment failure.
-Sagging Deck: Structural issues demand immediate attention.
-Moss/Algae Growth: Traps moisture and accelerates roof deterioration.
-Rising Energy Bills: Poor insulation or hidden damage could be the cause.

A professional inspection will confirm if repairs are enough—or if it’s time for a full upgrade.

Will My Insurance Cover Roof Repairs or Replacement?

Usually, yes-if the damage is sudden and weather-related, like from a storm or hurricane (common in Orlando).

✅ Covered:
-Wind, hail, hurricanes, fire, falling debris
-Sudden and accidental damage

🚫 Not Covered:
- Age-related wear and tear Neglect or poor maintenance

💡 What to Know:
-Deductibles apply before coverage kicks in
-Older roofs may get partial payouts due to depreciation
-Documentation matters—photos, inspections, and estimates can strengthen your claim
-Extra protection (like windstorm endorsements) may be worth adding in Florida

Need help with a claim? We work directly with your adjuster and make the process easy.