If you own a home in Jacksonville or St. Augustine, your roof’s age can make or break your insurance options. Florida’s roof age law and the 15‑year roof rule now limit when insurers can drop or deny you based on roof age alone, but older roofs still face stricter guidelines. In this post, we break down what the law actually says, how inspections work once your roof hits 15 years, and smart steps you can take to protect both your coverage and your home’s value.