Florida H0815 amends property insurance policies to allow inspections for steep-slope roofs and prevent insurers from refusing coverage based on roof.

Florida H0815 amends the definition of "authorized inspector" to include certain roof consultants and observers. It prohibits insurers from refusing to issue or renew a property insurance policy for residential structures with roofs less than 15 years old solely based on the roof's age. For steep-slope roofs, insurers must allow an inspection by an authorized inspector before requiring replacement. The act applies to policies issued or renewed on or after July 1, 2026.

Florida H0815 amends property insurance policies to allow inspections for steep-slope roofs and prevent insurers from refusing coverage based on roof.

Florida H0815 amends the definition of "authorized inspector" to include certain roof consultants and observers. It prohibits insurers from refusing to issue or renew a property insurance policy for residential structures with roofs less than 15 years old solely based on the roof's age. For steep-slope roofs, insurers must allow an inspection by an authorized inspector before requiring replacement. The act applies to policies issued or renewed on or after July 1, 2026.