THE BILL ITSELF
SB 128
Homeowners’ Insurance Policies
Florida Senate - 2026 SB 128 By Senator Bracy Davis 15-00357A-26 2026128__
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A bill to be entitled
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An act relating to homeowners’ insurance policies;
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amending s. 627.7011, F.S.; requiring insurers to
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reimburse homeowners for the cost of a specified roof
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inspection under certain circumstances; requiring
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insurers to make certain notifications to homeowners
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at a specified time; providing an effective date.
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Be It Enacted by the Legislature of the State of Florida:
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Section 1. Paragraph (c) of subsection (5) of section
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627.7011, Florida Statutes, is amended to read:
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627.7011 Homeowners’ policies; offer of replacement cost
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coverage and law and ordinance coverage.—
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(5)
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(c) For a roof that is at least 15 years old, an insurer
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must allow a homeowner to have a roof inspection performed by an
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authorized inspector at the homeowner’s expense before requiring
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the replacement of the roof of a residential structure as a
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condition of issuing or renewing a homeowner’s insurance policy.
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The insurer may not refuse to issue or refuse to renew a
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homeowner’s insurance policy solely because of roof age if ,
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during an inspection of the roof of the residential structure ,
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the performed by an authorized inspector performing the
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inspection determines indicates that the roof has 5 years or
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more of useful life remaining. If an authorized inspector makes
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such a determination, the insurer must reimburse the homeowner
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for the cost of the inspection in an amount not to exceed $300.
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An insurer must notify a homeowner of the right to have a roof
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inspection and of the insurer’s obligation to reimburse the
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homeowner as specified under this paragraph at the time of
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issuing or renewing a homeowner’s insurance policy.
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Section 2. This act shall take effect July 1, 2026.