Two Great Options for Homes With Older Roofs or Any Homeowner Who Wants to Save on Their Home Insurance Premium

STANDARD OPTION: This Roof Deductible Endorsement follows the approved guidelines outlined in the special legislative session (Statute 627.701).

  • Will be automatically added to all new business effective 3/17/2023 and added to renewal business beginning 5/16/20232.
  • Deductible is 2% of Coverage A (dwelling coverage limit).


HIGHER DISCOUNT OPTION: This option is designed to help lower a home insurance policy premium and is a great option for harder-to-place older roofs in good condition.

  • Older roofs welcome
  • Ideal for HO3 and Basic Choice policies with roofs over halfway through their useful life (10 years for a 20-year shingle roof, and 15 years for a 30-year tile roof)
  • The older the roof the more it lowers the premium
  • Better than ACV policies because the roof valuation at time of loss is not disputable