Florida · 15-year roof insurance rule · Owner-occ
Florida
Roofing Lists

In Florida a roof at 15 years is an insurance problem, not just a leak. That is what drives the replacement.

Florida homeowners with older roofs face inspections, higher premiums and non-renewal, which forces replacements that would not happen anywhere else. We filter to owner-occupied homes in older build eras across all 67 counties, then skip-trace and DNC-scrub every record. Pay-as-you-go. $0.22 a row, $0.50 minimum, no subscription.

Build your list → See the Florida reality
15-yr
Roof rule
Insurance
Driven
Owner-occ
Verified
$0.22
Per row
Sample record · Florida roofing prospect
▲
Aging-roof homeowner
Owner-occupied · older build · insurance pressure
Property1234 Example St, single-family FL
Owner[sample record]
Owner-occupiedYes
Year built2004 · ~21-yr roof
Estimated equity$162,500 · 49%
Mobile · DNC clear(555) 555-0148
Email[email protected]
Illustrative sample · 90+ columns per real record
The Florida reality

Why an old roof in Florida has to come off

Florida is the one state where roof age forces a decision through the insurance market, not just the weather.

The 15-year roof rule

Under Florida Statute 627.7011, insurers cannot refuse or non-renew a policy solely because a roof is under 15 years old. Once a roof passes 15 years, insurers gain wide latitude to demand an inspection, require repairs, or decline to renew. That deadline is a replacement trigger no other state has.

Carriers are dropping old shingle roofs

In the current Florida market, many carriers will not write new policies on shingle roofs older than 15 years, and an owner who loses coverage usually has to replace the roof to get insured again. The motivation is concrete and time-bound.

Roofers can be the inspector

Under House Bill 1611, effective July 2024, licensed roofing contractors are authorized to perform the roof inspections that determine remaining useful life. A roofer reaching these owners can run the inspection and the replacement.

Sun, storms and salt age roofs faster

Florida heat, UV, hurricane wind and coastal salt wear roofs harder than most of the country, so a Florida roof often hits its insurance and replacement window earlier than the 20-to-25-year national norm.

Inside the data

What lands in every Florida record

A scored, contactable, deal-ready owner profile, 90+ columns per row, skip-traced and DNC-scrubbed.

roofing_florida.csv
▲
Aging-roof homeowner
Owner-occupied · older build · insurance pressure
Property1234 Example St, single-family FL
Owner[sample record]
Owner-occupiedYes
Year built2004 · ~21-yr roof
Estimated equity$162,500 · 49%
Mobile · DNC clear(555) 555-0148
Email[email protected]
Owner-occDNC clearOwner found90+ cols
Reachability
70-80%

of records return at least one phone. Florida owner-occupied homes trace well.

Compliance

DNC-scrubbed

Every phone checked against the federal Do-Not-Call registry before you download.

Full profile

90+ columns per row

Owner identity, owner-occupied flag, year built, estimated equity, mortgage, property detail, and contact path.

owner_occupiedyear_builtequity %owner6 phones3 emailsAPNsqftcounty
Pricing
$0.22 / row

Pay-as-you-go, no subscription. You only pay for delivered rows, $0.50 minimum. Pull 200 aging-roof Florida homeowners for a test and pay forty-four dollars.

Steady volume? An optional plan drops your per-row rate. See plans.

Build your list →
Who works Florida roofing

For roofers who turn the insurance deadline into jobs

The 15-year rule is a built-in lead source. Reach owners before their renewal forces the issue.

Best for

  • Florida roofers running their own canvassing or call teams
  • Crews working the insurance-driven 15-year replacement market
  • Storm and restoration teams after a hurricane or hail event
  • Exterior contractors bundling roof with soffit, fascia and gutters

Not for

  • Buyers who want pre-qualified, booked, exclusive appointments
  • Anyone expecting a verified roof-age or claim flag in the file
  • Teams who want a forced monthly subscription
  • List-renters expecting exclusive, single-seat data

Looking for roofing leads outside Florida? Start at the roofing leads hub.

Questions

Florida roofing FAQ

What Florida buyers ask before their first list.

Skip Trace Depot sells Florida roofing prospect lists pay-as-you-go. Filter owner-occupied homes by build era (a stand-in for roof age) and equity across all 67 counties, see the live count, and pay $0.22 a row with a $0.50 minimum and no subscription. Skip-traced and DNC-scrubbed, 90+ columns.
Florida Statute 627.7011 stops insurers from non-renewing a policy solely because a roof is under 15 years old. Once a roof passes 15 years, insurers can require an inspection, demand repairs, or decline coverage, which pushes many owners to replace. It is a replacement trigger unique to Florida.
No. The exact roof install date and a homeowner insurance status are not in the file. We use home build era as a defensible stand-in for roof age and let you filter by it. The inspection confirms the specifics on site.
$0.22 per delivered row pay-as-you-go, $0.50 minimum, no subscription. Pull 200 aging-roof Florida homeowners for a test and pay forty-four dollars. An optional plan lowers the rate for steady volume.
Yes. Filter by county or ZIP across all 67 Florida counties and pull only the territory your crews cover. The live count for that exact filter is shown before you pay.

Build your Florida roofing list.

Owner-occupied homes with older roofs facing the 15-year insurance deadline, skip-traced and DNC-scrubbed. Reach them before the renewal does.

Build your list →