{
  "page": "https://instabids.ai/us/does-homeowners-insurance-cover-roof-replacement",
  "title": "Does homeowners insurance cover a roof replacement?",
  "skill": "us-answer@3.2.0",
  "evidence_date": "2026-10-24",
  "rows": [
    {
      "label": "Florida statute on property claims, Fla. Stat. 627.70132(2), statewide",
      "quote": "\"A claim or reopened claim, but not a supplemental claim, under an insurance policy that provides property insurance, as defined in s. 624.604, including a property insurance policy issued by an eligible surplus lines insurer, for loss or damage caused by any peril is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within 1 year after the date of loss.\"",
      "source": "Florida Statutes section 627.70132, Notice of property insurance claim, read 24 October 2026",
      "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.70132.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-fl-deadline"
    },
    {
      "label": "Florida statute on supplemental claims, Fla. Stat. 627.70132(2), statewide",
      "quote": "\"A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss.\"",
      "source": "Florida Statutes section 627.70132, Notice of property insurance claim, read 24 October 2026",
      "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.70132.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-fl-supplemental"
    },
    {
      "label": "Texas Windstorm Insurance Association, its policies only",
      "quote": "\"Policyholders have one year from the date the property was damaged to report a TWIA claim.\"",
      "source": "Texas Windstorm Insurance Association, Claims process, read 24 October 2026",
      "url": "https://www.twia.org/claims/",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-twia-1yr"
    },
    {
      "label": "Texas Department of Insurance, insurer response time in Texas",
      "quote": "\"Deadline: Your company has 15 business days to say it got your claim.\"",
      "source": "Texas Department of Insurance, Steps to getting your home or car insurance claim paid, read 24 October 2026",
      "url": "https://www.tdi.texas.gov/tips/getting-your-insurance-claim-paid.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-tx-15days"
    },
    {
      "label": "Florida statute on roof age, Fla. Stat. 627.7011(5)(b), statewide",
      "quote": "\"An insurer may not refuse to issue or refuse to renew a homeowner's policy insuring a residential structure with a roof that is less than 15 years old solely because of the age of the roof.\"",
      "source": "Florida Statutes section 627.7011, Homeowners' policies; offer of replacement cost coverage and law and ordinance coverage, read 24 October 2026",
      "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-fl-roofage15"
    },
    {
      "label": "Florida statute on older roofs, Fla. Stat. 627.7011(5)(c), statewide",
      "quote": "\"The insurer may not refuse to issue or refuse to renew a homeowner's insurance policy solely because of roof age if an inspection of the roof of the residential structure performed by an authorized inspector indicates that the roof has 5 years or more of useful life remaining.\"",
      "source": "Florida Statutes section 627.7011, Homeowners' policies; offer of replacement cost coverage and law and ordinance coverage, read 24 October 2026",
      "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.7011.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-fl-inspect5"
    },
    {
      "label": "Florida statute on a separate roof deductible, Fla. Stat. 627.701(10)(a), statewide",
      "quote": "\"The roof deductible may not exceed the lesser of 2 percent of the Coverage A limit of the policy or 50 percent of the cost to replace the roof.\"",
      "source": "Florida Statutes section 627.701, Liability of insureds; coinsurance; deductibles, read 24 October 2026",
      "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.701.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-fl-roofded"
    },
    {
      "label": "Florida building statute on partial roof work, Fla. Stat. 553.844(5), statewide",
      "quote": "\"if an existing roofing system or roof section was built, repaired, or replaced in compliance with the requirements of the 2007 Florida Building Code, or any subsequent editions of the Florida Building Code, and 25 percent or more of such roofing system or roof section is being repaired, replaced, or recovered, only the repaired, replaced, or recovered portion is required to be constructed in accordance with the Florida Building Code in effect, as applicable.\"",
      "source": "Florida Statutes section 553.844, Windstorm loss mitigation; requirements for roofs and opening protection, read 24 October 2026",
      "url": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0553/Sections/0553.844.html",
      "read": "2026-10-24",
      "fact_id": "us-pain-v3insroof-fl-25pct"
    }
  ]
}