Heritage roof rules ease: 20 years for shingle, 40 for metal and tile
Shingle roofs now qualify to 20 years, and metal or tile to 40, statewide. There is no consent to rate surcharge, and most new policies skip an inspection.
Who this affects
People Heritage turned down over roof age before July 2026. Also owners of older roofs shopping now.
What to check
If your roof is under the new age caps, ask for a fresh Heritage quote.
Source
Heritage FL Agent Bulletin, "Roof Age Guideline and Inspection Requirement Updates," 7/16/2026