In most states, a roof is just part of the house. In Florida, it is the single factor that determines whether you get insured, at what price, and on what terms.

If you own a home in Florida, there is one question your insurance carrier cares about more than almost anything else: how old is your roof? Or when was your roof replaced last?

In Southwest Florida, roof age is one of the biggest factors affecting your home insurance rates and eligibility. Learn why carriers focus on roof year, inspections, and wind mitigation, and how you can protect your coverage before renewal season hits.