Critical data points for Palm Beach County insurance compliance.
Actuarial data shows that at 20 years, the risk of a total loss doubles. Carriers drop coverage to avoid Palm Beach exposure.
If your roof is 18+ years, carriers issue a "Notice of Non-Renewal." Finding new coverage at this stage is difficult and expensive.
We perform a Technical Roof Audit to provide documentation required to extend your policy or fast-track an insurance-funded replacement.
Granule loss and sealant failure on older shingles are the primary "red flags" used by insurance adjusters to deny renewals.
Upgrading to Vulcan-Grade systems ensures your home meets the highest Wind Mitigation standards for premium discounts.
Navigating the 20-year insurance cliff requires more than a simple visual check. Luxe Builder Group provides a comprehensive technical audit that documents the structural integrity, remaining useful life, and wind mitigation capabilities of your roofing system.
Our reports are specifically formatted to meet the underwriting requirements of Florida’s top carriers, often providing the necessary evidence to defer a non-renewal notice or secure a lower premium tier even as your roof approaches the 20-year threshold.
As a Palm Beach County roofing contractor, Luxe Builder Group understands the specific micro-climates and building codes that govern our coastal region. We don't just build roofs; we build insurance-compliant assets.
Our certified approach ensures that every project is overseen by masters of the craft who understand the legalities of Florida roofing. By utilizing high-velocity hurricane zone (HVHZ) materials and installation techniques, we provide the peace of mind that comes with local, proven experience.
When a carrier issues a non-renewal notice, they are betting you won't have the technical data to push back. Luxe Builder Group flips the script. We provide the forensic proof that forces carriers to listen.
Choosing Luxe Roofers means choosing reduced stress. We handle the documentation, the technical inspections, and the carrier communication so you can focus on your family.
Speak with a Palm Beach insurance specialist right now to see if you qualify for a policy extension or a certified replacement.
Critical answers for Palm Beach County homeowners facing the 20-Year Cliff.
While the "cliff" is most severe at 20 years, Florida Statute 627.7011(5) allows insurers to require professional inspections for any roof aged 15 years or older. If an inspection shows less than 5 years of useful life remaining, carriers can legally deny renewal.
It depends on your policy type. Replacement Cost Value (RCV) covers the full cost of a brand-new roof. However, many older roofs are switched to Actual Cash Value (ACV), which only pays the depreciated value, often leaving homeowners with thousands in out-of-pocket costs.
Yes. In the current Florida market, carriers often non-renew policies based purely on roof age, regardless of whether there is visible damage. They view older roofs as a "total loss" risk during major hurricane events.
Absolutely. Installing a new Hurricane-Rated roof typically qualifies you for significant Wind Mitigation credits. These discounts can often reduce your annual premiums by 20% to 40% in Palm Beach County.