Florida HB 815 did not become law in the 2026 session. The official record says it died in the House Insurance & Banking Subcommittee on March 13, 2026. The July 1 date printed on the proposed bill was not an enacted effective date. Official HB 815 record.
Correction to the earlier article
The earlier title and summary implied that HB 815 created new protections taking effect in July. That was incorrect. This revision removes the unsupported change-in-law claim, roof price tables, savings forecasts, and unverified first-person client anecdotes.
Existing law is a separate question
The published 2025 edition of section 627.7011 contains existing homeowners-policy roof-age provisions. It restricts age-only refusals for roofs under 15 years and provides an inspection pathway for older roofs where an authorized inspection establishes at least five years of useful life. The section also states limits on its application and preserves other lawful underwriting grounds. Read the whole section and check current applicability with a qualified professional. Florida Statutes section 627.7011.
What to ask your insurer
- What is the written reason for the inspection or replacement request?
- Which policy and legal requirements are being applied?
- Who is acceptable to perform the inspection?
- What documentation is needed, and by what date?
- How will the insurer acknowledge receipt and communicate its decision?
Keep permit records, prior inspection reports, photographs, and correspondence together. Do not assume that a roof's birthday alone guarantees either approval or denial.
This guide does not determine your legal rights, an insurer's underwriting decision, or whether a particular roof needs replacement. Ask a licensed professional to review the actual documents; Palm Beach Coverage does not provide those services.