New Rules for Property Insurance and Roof Inspections

Original title: Roofing Requirements for Property Insurance

March 13, 2026

property insurance roofing homeowners insurance building codes insurance regulation

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The Frame

What this does

Property owners may avoid mandatory roof replacements if an determines their roof has at least five years of useful life remaining, potentially saving homeowners significant repair or replacement costs.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Property owners

Property owners gain the right to have an inspection performed at their own expense to challenge an insurer's requirement for roof replacement.

Property insurance companies

Insurers are restricted from denying coverage based on roof age and are required to accept inspections from a broader range of professionals.

What changed

Last recorded activity March 13, 2026.

What's next

Introduced.

Summary

This bill changes how insurance companies evaluate roofs when deciding whether to issue or renew property insurance policies. It sets new standards for roof inspections and prohibits insurers from denying coverage based solely on a roof's age if it meets specific condition requirements.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Can my insurance company still deny me coverage because my roof is old?

If your roof is less than 15 years old, they cannot deny you based solely on age. If it is 15 years or older, they must allow you to have an inspection to prove the roof has at least 5 years of useful life remaining before they can require a replacement.

Who counts as an 'authorized inspector'?

s include licensed home inspectors, building code inspectors, general/building/residential contractors, roofing contractors, professional engineers, professional architects, and Registered Roof Consultants or Observers certified by the International Institute of Building Enclosure Consultants.

Why It Matters

News Coverage

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Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift100% confidence

Expansion of Inspection Authority

The bill significantly broadens the pool of professionals qualified to perform insurance-related roof inspections by including specialized roof consultants and observers.

International Institute of Building Enclosure Consultants