The bill amends section 627.7011 of the Florida Statutes to revise roofing requirements for property insurance policies. It expands the definition of "authorized inspector" to include Registered Roof Consultants and Registered Roof Observers certified by the International Institute of Building Enclosure Consultants. The bill prohibits insurers from refusing to issue or renew property insurance policies for residential structures with roofs less than a specified age solely based on the roof's age. Additionally, it requires insurers to differentiate between low-slope and steep-slope roofs when offering coverage and mandates that property owners be allowed to have a roof inspection performed by an authorized inspector before being required to replace a steep-slope roof.

Furthermore, the bill stipulates that if a steep-slope roof has five or more years of useful life remaining, as determined by an authorized inspector, insurers cannot refuse coverage based on the roof's age. For low-slope roofs, insurers may not refuse coverage if an authorized inspector determines that the roof can be restored to provide five or more years of useful life. The changes will apply to property insurance policies issued or renewed on or after July 1, 2026.