Our insurance renewal is coming up
Your roof’s condition will shape your insurance renewal.
Florida insurers weigh roof age and condition heavily at renewal.
Starting 90 to 120 days before renewal
- Locate the permit and installation date for every roof.
- Get an independent, dated condition assessment before the carrier’s inspector arrives.
- Fix small problems early: lifted shingles, damaged flashing, clogged gutters.
- Keep a maintenance and repair log that shows the roof is actively managed.
- Make sure any replacement is planned and funded in the reserve study.
- Start the conversation with your agent early, not 30 days out.
What usually goes wrong
- The carrier’s inspector finds the problems before the board does.
- Nobody can prove the roof’s age, so the carrier assumes the worst.
- A replacement is overdue, with no funded plan to show.
Read the full guide
How your own independent data changes it.
Roof age
Without it: Assumed, because the records are missing.
With it: Proven, with the permit and a dated report.
Condition
Without it: First documented by the carrier’s inspector.
With it: Documented by your own independent report, before renewal.
Replacement
Without it: Overdue, with no plan.
With it: Scheduled and funded in the reserve study.
Where to start.
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Start here
Baseline Scan
$495, one time
An independent, dated drone inspection of your roof with a report in 72 hours: something concrete to give your agent.
See Baseline Scan -
Property Monitoring
$1,200 a year
Insurance-ready documentation that stays current, with two inspections a year.
See Property Monitoring
Talk it through with someone no contractor pays.
In 20 minutes we’ll look at your situation and tell you plainly where to start.