Title: Homeowners' Insurance Policies

Summary: Requiring insurers to reimburse homeowners for the cost of a specified roof inspection under certain circumstances; requiring insurers to make certain notifications to homeowners at a specified time, etc.

Full Text:
An act relating to homeowners  insurance policies; amending s. 627.7011, F.S.; requiring insurers to reimburse homeowners for the cost of a specified roof inspection under certain circumstances; requiring insurers to make certain notifications to homeowners at a specified time; providing an effective date. Be It Enacted by the Legislature of the State of Florida: Section 1. Paragraph (c) of subsection (5) of section 627.7011, Florida Statutes, is amended to read: 627.7011 Homeowners  policies; offer of replacement cost coverage and law and ordinance coverage.  (5) (c) For a roof that is at least 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,during an inspection of the roof of the residential structure,the performed by an authorized inspector performing the inspection determines indicates that the roof has years or more of useful life remaining. If an authorized inspector makes such a determination,the insurer must reimburse the homeowner for the cost of the inspection in an amount not to exceed $300. An insurer must notify a homeowner of the right to have a roof inspection and of the insurer s obligation to reimburse the homeowner as specified under this paragraph at the time of issuing or renewing a homeowner s insurance policy. Section 2. This act shall take effect July 1, 2026.