What is the ‘roof replacement rule’ in Florida?

There are a lot of factors that determine when a roof in Florida needs to be replaced, including the commercial re-roofing materials used.
For example, a shingle roof may only last around 15-20 years, whereas more robust tile or stone roofing can last as long as 40 years. In Florida, many insurance companies are now limiting their roof coverage to a maximum of 15 years, meaning it’s more important than ever to replace your roof entirely when required. With commercial roofing legislation changing regularly, advanced commercial roofing companies are, unfortunately, now unable to produce a roof that is guaranteed for decades. What is made for the regulations of today cannot account for the regulations of tomorrow.